Other providers may offer Tenants Liability Insurance at different prices and with different levels of cover. This means that it's up to you to decide on a suitable amount of protection for your needs.
Look carefully at the fixtures, fittings and contents that belong to your landlord. If you’ve decided to rent a furnished or part-furnished home, you’ll need to think about all the furnishings that are already there, from the sofa and the bed to the tumble dryer and the coffee table. The cost of repairs or replacements for all these items can quickly add up!
You’ll also want to consider that repair costs may include labour costs for a tradesperson, not just the items themselves. For example, if you accidentally damage a carpet and a replacement is necessary, you’ll need to factor in the cost of the carpet fitter’s labour.
Tip: Make sure that the inventory is accurate
When you’re calculating how much Tenants Liability Insurance you need, an accurate and detailed inventory is key. It helps with understanding the value of items that your landlord provides and for what you’re responsible for under your tenancy agreement, should damage occur. Read our Tenants Guide to Inventories for more info on this.