Should I Furnish My Let Property?

While it’s essential that your property is in a good state of repair, what’s inside counts for something, too. As a landlord, you’ll need to make the decision whether to fully furnish, part furnish (or not furnish at all). 

At HomeLet we offer Landlord Contents Insurance for both furnished and unfurnished let properties.

Furnished. This includes furniture, furnishings, beds, desks and similar items. Click here to find out more about our Insurance for Furnished Properties. You can also add the Accidental Damage option, to cover damage by tenants.

Unfurnished. This doesn't mean it’s empty. Part-furnished properties still have carpets, curtains, sanitaryware, light fittings, kitchen white goods and appliances. We also offer Insurance for Unfurnished Properties.

The essentials...

Even if you’re not planning to furnish the property, it’s still worth getting a few basic items, as this will help you attract tenants, and could increase your monthly rent income.

What to include:

  • Sofas
  • Side tables
  • Bed
  • Bedside tables
  • Cooker

Bear in mind...

Families or long-term tenants will probably have a lot of their own furniture
Laminate or wooden floors are more durable than carpets, and are a good idea for long-term leases
Students and office workers may be attracted by the offer of desks and chairs (if you’re planning to appear in University accommodation lists you may need to meet their minimum standards of furnishing).

A great deal...

You need good-quality and durable items in your property, but you don’t want to break the bank, either. Check out sites such as and to see if there’s anything you can pick up for free. Auctions and auction sites (like ebay) can also prove to be cost-effective sources of high-quality items.

It’s never worth scrimping too much on cost as you might just end up replacing items more frequently. Don’t forget, you’re not living there, so while you want to buy attractive pieces, it’s more about getting durable furniture with washable covers than about being overly stylist.

You could chat with your account or tax specialist to see if you’re entitled to any allowances for wear and tear.

Follow the Fire Safety Regulations...

All furniture needs to comply with fire safety regulations – this is especially important if you’re buying older or second-hand furniture. New furniture is less of an issue, as the onus is on the retailer to make sure it complies. However, it’s still a good idea to check all items for the appropriate label.

Always keep your receipts and leave all the safety labels attached to the furniture.

Failure to comply with safety regulations as a landlord is a criminal offence, and you could be fined or sent to prison. Non compliance could also invalidate your insurance cover.

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If you've any tips on furnished property you’d like to share, let us know by emailing