* Cover starts at £11 per month for £50,000 of contents cover and £10,000 of Tenancy Liability cover; this price includes Insurance Premium Tax (IPT) at the current rate, as set by HMRC. Please note that a monthly admin fee of £1.99 will be payable if you choose to pay for your policy monthly.
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What is tenants contents insurance?
Tenants contents insurance is designed to offer protection for people who rent their home; it covers your personal belongings from fire, theft and flood.
The items covered will depend on what policy you choose, but this might include
Most providers also give you the option to add additional cover so that you can protect specific high value items or cover your personal belongings when you’re away from home.
HomeLet's tenants contents insurance also includes Tenancy Liability cover
, which provides cover for you, if you accidentally damage your landlords property. As a tenant if you accidentally damage your landlords property you could be responsible to pay for the repairs to things like furniture, fittings and fixtures that you’re liable for under your tenancy agreement.
Watch our quick video to find out more about HomeLet tenants contents insurance
Protecting your personal possessions with contents cover
No matter how careful you are, there’s always a risk that your possessions will be stolen or damaged. We provide specialist Tenants Contents Insurance to give you added peace of mind that, should disaster strike, you’ll be able to cover the cost. This financial cover protects you if something happens to your personal possessions. Whether they're damaged in your rented home or taken by burglars, you’ll be able to recoup the cost.
Our tenants insurance also protects you against accidental damage to your landlord’s furniture or fixtures and fittings that you’re liable for under your tenancy agreement, for up to £10,000. Knowing that you won’t have to pay for accidental damage to your landlords property can help you to feel more relaxed and at ease in your home.
As well as making sure that our policies are comprehensive and flexible, we pride ourselves on offering affordable financial protection. *Our Tenants Contents Insurance Incorporating Liability is available from as little as £11 a month. We want to make finding suitable insurance for rental properties easy, and in addition to providing detailed information about our policies on our website, we’re available to talk you through your options. If you’d like further guidance on how you can best protect your possessions, from your TV and computers to your jewellery and credit cards, simply get in touch with our specialists by phone or email. We’re on hand to answer your questions and help you find a policy that meets all of your requirements and falls within your budget.
Quick look: What does Tenants Contents Insurance cover? Clothes, jewellery,
Ornaments, antiques and heirlooms
Soft furnishings, ie, bedding and cushions
Electrical equipment, ie, TVs, blu ray players, games consoles, speakers, stereos
Any personal furnishings in the property, ie furniture
Quick look: What does Tenants Liability Insurance cover?
Accidental damage to your landlord’s furniture or fixtures and fittings that you’re liable for under your tenancy agreement.
Frequently Asked Questions about Tenants Contents Insurance
1. Who is the product suitable for?
If you’re a tenant who’s renting a property, then this product is for you. If you’re renting but then you buy your own home mid-way through the tenancy, you can take your cover with you.
2. Is my bike covered under Tenants Contents Insurance?
Tenants contents insurance does cover pedal cycles, but not motorbikes. You get £500 per pedal cycle included as standard at your house with the option to insure more expensive bikes in or out of the home if you’d like. If you have more than one bike, you can claim for each, as long as each bike doesn’t exceed a £500 value per bike.
3. My circumstances have changed – do I need to do anything?
You need to notify your insurer when any relevant circumstances change, as this could impact your cover or any future claims you might need to make. Changes you’d need to let us know about would include a change of address or anything that would alter the answers and information you provided when you setup your cover. If you’re unsure, just call a member of our friendly team and they can be of assistance.
4. Will my policy cover belongings outside my home?
Your possessions will be covered within the boundaries of your home providing you’ve chosen our contents cover. If you want to cover your possessions anywhere else in Europe (extending to anywhere in the world for up to 60 days!), you can choose to have this cover for an additional premium.
5. I’m going travelling for two months – will this affect my policy?
Some restrictions will be automatically placed on your policy after the property has been left unoccupied for more than 30 days – these include malicious damage, escape of water and Theft. However, providing you have the relevant extended cover, we would cover items you’ve taken on your travels with you.
6. Will old things be replaced with new ones if I have to make a claim?
During the process of a claim we will decide whether it’s most appropriate to replace, repair or offer money for your lost or damaged goods. We will always consider what route will be best depending on the circumstances in question.
7. What if I have single items of high value?
In the home, you get a single item valuable limit of £2,500 for each item – providing the items don’t exceed £10,000 in total. Away from the home, should you have chosen this cover, the single article limit is the same, though we have a lower overall limit of £7,500.
8. What are the excess levels?
These are the levels of excess on the policy:
Contents Standard: £100
Malicious Damage: £500
Escaping water: £250
Legal Liability and Personal Liability: £100
Contents Accidental Damage: £100
Tenancy Liability (accidental damage to landlord's property, furniture, fixtures and fittings): £100
Specified Possessions: £100
Pedal Cycles: £100