Landlords often have insurance to cover the property and potentially the fixtures and fittings but they aren’t responsible for insuring their tenants’ possessions.

Contents Insurance is there to help protect your possessions if anything happens to them. No matter how careful you are, there’s always a risk that your personal possessions could be stolen, damaged or broken.

According to Confused.com, nearly a quarter of UK renters don't have any Contents Insurance for their possessions in the unfortunate, but frequent event of damage or theft.

What’s included in HomeLet's Tenants Contents Insurance policy and how much does it cost?

The standard cost of a HomeLet Tenants Contents Insurance policy including Tenants Liability Insurance Cover is £13.99 per month (which includes a monthly admin fee of £2.99) or £132 if you want to pay for the whole year*. This provides £50,000 for Contents and £10,000 Tenants Liability Cover as standard. 

Contents Cover includes protection from fire, thefts and flood. Such disastrous events may be rare, but having cover can give you peace of mind, that in the event of such an incident, the replacement of your items could be covered.

Personal computers, clothes, jewellery, TVs, DVDs, video and audio equipment and other electronic items are all included as part of our contents insurance cover, and should you wish to do so, we offer a range of additional extras including;

  • Full accidental damage cover for your possessions
  • Enhanced pedal cycle cover (if you feel our standard policy cover up to the value of £500 isn’t enough)
  • Away from home cover
  • Specified item cover – for higher value items such as jewellery or an expensive guitar
  • Personal legal protection

Do most tenants have Contents Insurance?

Over three quarters of UK renters have a Contents Insurance policy. 

For some tenants, especially younger renters, insurance may be viewed as more of a luxury rather than a necessity. However, 67% of over 65s who rent do have Contents Insurance – citing ‘peace of mind’ as a top priority to protect their belongings.

Home insurance isn't just for home owners

In life, we take many steps to protect ourselves, from online banking passwords to locks on our doors. We also take out life and travel insurance to give ourselves further peace of mind. So why wouldn’t we want to do the same for our personal possessions?

At HomeLet, with over 30 years experience in the rental sector, we fully understand the unique risks faced by tenants and as a result we offer an insurance cover which combines contents cover and tenancy liability together in one simple policy. So not only are you covering your own possessions, you are protecting yourself against the risk of deposit deductions too, should you accidentally damage your landlord’s items.

Our policy is smart too. It can move with you so you don’t have to worry about arranging cover again if you move and it even covers your contents during a move if they are damaged by your removal firm.

Find out more about our Tenants Contents Insurance including Tenancy Liability.