Tenant Contents Insurance for your rented home, with Tenancy Liability Protect both your belongings and cover yourself if you accidentally damage your landlord's items, all on one simple, hardworking policy. At HomeLet, we offer the following:
£50,000 of contents cover as standard to protect your personal possessions
£10,000 tenants liability cover for accidental damage to your landlord's items in the property that you may be responsible for under your tenancy agreement
Flexible Cover with Optional extensions available: Extended Accidental Damage cover, Bicycle cover, High Value Personal Possessions cover
Transferable between properties - even if you buy your own home
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*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.
Do I need Tenants Contents Insurance?
Your Landlord may have taken buildings insurance to cover the buildings of the property that you rent, however they are not liable to insure your personal possessions in their property - unless the tenancy agreement explicitly says so. If you're wondering what is renters insurance for, you can find out more about this in our article:
Is my landlord responsible if my contents get damaged?
Whether or not you consider if renters insurance is necessary is entirely up to you. No-one can insist you take out an insurance policy as part of a tenancy agreement. Knowing that your landlord likely isn’t responsible for your contents, it’s up to you to decide whether you want to insure your personal possessions by taking out a renters insurance policy.
Home contents insurance isn’t just for home owners. You’ll probably still have your own possessions, from clothing to records to furniture. No matter how careful you are, accidents do happen and you may find yourself out of pocket. By taking out tenant home contents insurance for tenants, you can ensure that if your belongings are stolen or damaged whilst you’re renting a property, you won’t have to worry about covering the costs. So, if there’s a fire in the house or flat you live in, the property’s flooded, or someone breaks in and steals your belongings, our specialist renters Contents Insurance Incorporating Tenancy Liability policy is there to protect your possessions.
When do I need to take out Tenants Insurance?
If you’re about to rent a property, now is a good time to consider taking out Tenants Insurance, although you can take out tenants home insurance at any time whilst you’re renting a property. Having cover in place for when you move in can give peace of mind from a safety net to protect you if something goes wrong.
To help you decide, here’s a look at the cover available to you as a tenant from HomeLet.
How much does HomeLet's Tenants Contents Insurance cost?
The standard cost of a HomeLet Tenants Contents insurance policy, including Tenancy Liability Cover is £11 per month* This provides £50,000 for Contents and £10,000 Tenancy Liability Cover as standard. To find out more details, or see what additional cover options are available for you to add to your policy, see below:
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*When purchased online. The price is subject to underwriting criteria and may change. If you choose to pay for your policy monthly, a monthly admin fee of £1.99 will be payable.
What does Tenants Contents Insurance Including Tenancy Liability from HomeLet cover?
We’ve been providing specialist cover for tenants for over 25 years, so we’re able to offer comprehensive insurance for a range of needs. If you're wondering "what does renters insurance cover?" read on;
When you take out Tenants Contents Insurance with us, your personal possessions will be covered for up to £50,000 as standard for your household. This includes your partner and your children, and up to two sharers as stated in your tenancy agreement. We don’t include lodgers or any other paying guests.
This will cover you in the event of a claim for certain insured events, such as theft, flood, escape of water, and fire. You’re also covered if you cause accidental damage to your TV, audio, video, DVD players and games consoles and personal computer equipment.
Examples of what is covered include:
Clothes and jewellery
Valuables*, including but not limited to: jewellery, clocks, collector’s items.
Soft furnishings, i.e. bedding and cushions
Electrical equipment, i.e. TVs, Blu-ray players, games consoles, speakers, stereos
Mobile phones – as standard, our contents cover provides up to £300 per claim for mobile phones (excluding accidental damage. However, this is included if you take out the Accidental Damage extension)
Any personal furnishings in the property, i.e. furniture
Your bicycle (see more below)
As standard, the policy also includes the following cover:
Money (up to £500 for any one claim) and credit cards (up to £200 for any one claim)
Pedal cycles within the boundaries of your home (up to £500 for any one claim)
Contents in your locked garage, shed or outbuildings (up to £2,500) An unsecured outbuilding or garage is covered in the event of a theft up to £500 for any one claim
Replacement locks following theft of keys (up to £1,000) and lost keys (up to £200 for any one claim)
The items covered will depend on the policy you choose and there are certain add-ons that you can opt for, depending on your circumstances
How to get renters insurance - Call our insurance specialists…
We're here on the phone to help, if you need us. If you'd prefer to have a chat about your cover and have our Tenants Contents Insurance explained in full, give us a call and our team will be ready and waiting to answer any questions you might have about our cover, or help arrange your insurance over the phone.
We're open from 8:30am-8pm Monday to Friday and 9:30am-1pm Saturday - we're always happy to help.
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*Where items are classed as valuable, the most we will pay for any one item is £2,500 and the most we pay for any one claim is £10,000. The definition of valuable is: articles made from gold, silver or other precious metals; jewellery, clocks and watches; furs; photographic equipment, binoculars and telescopes; musical instruments; collectors’ items; pictures and works of art; rare and unusual figurines and ornaments; curios; guns; collections of stamps, coins or metals. Your non-motorised bicycle is covered under this insurance, up to £500 per bike, for any one claim,. More expensive bicycles can be insured under our Pedal Cycle Extension for an additional premium. This includes cover for out the home, too! In the event of a claim, if your contents are not insured for their true value, this may result in a claim not being paid in full, or at all. Please give our team a call if you require contents insurance over £50,000
Watch our quick video to find out more about HomeLet's home contents insurance for tenants:
Are there any optional add-ons available?
Yes. With HomeLet’s home contents insurance for tenants, there are several optional extras for you if you want a more tailored level of cover. This can include opting to cover specific high value items or adding Accidental Damage cover. These are the add-ons that we offer should you need them:
Accidental Damage extension
As a standard feature of your policy, we offer limited Accidental Damage cover for some of your possessions. Examples include your TV and personal computer equipment.
Mobile phones are excluded from our limited Accidental Damage cover. If you would like your mobile phone insured for Accidental Damage, this is included for up to £300 for any one claim, under the Accidental Damage Extension.
Specified personal belongings
This optional cover is designed to protect your higher value personal possessions that you carry with you in your daily life over £2,500 against accidental damage, loss or theft, even outside your home. This includes items such as engagement rings, insulin pumps or musical instruments.
Unspecified personal belongings
This optional cover is designed to protect your personal possessions against accidental damage, loss or theft when you take them out of your home in the European Area. You would be covered in the European area. There is also cover anywhere else in the world for up to 60 days in any one period of insurance.
For personal belongings, the most we will pay for any one single item is £2,500. If you have an item worth more than this, you may want to consider our specified personal belongings cover.
Some items have different limits. Check your policy wording for full details.
Pedal cycle extension
Our optional bicycle cover protects your pedal cycle when you take it out of the boundaries of your home. If you’re a keen cyclist, this option will ensure your pedal cycle is protected in the European area and anywhere in the world for up to 60 days in any one period of insurance.
There is a combined overall limit of £7,500 for specified, unspecified and pedal cycle extension cover.
Personal legal protection
Our cover provides the expert legal help and assistance needed to protect yourself against common legal issues, such as contract or personal injury disputes without the worry of running up solicitors’ costs and overstretching your resources.
Up to £100,000 for legal fees and cost
What are the excess levels?
Here’s an at-a-glance guide to the excess levels for Tenants Contents Insurance: Contents: £100
Malicious Damage: £500
Escaping water: £250
Contents Accidental Damage: £100
Tenancy Liability (accidental damage to landlord's property, furniture, fixtures and fittings): £100
Specified Possessions: £100
Pedal Cycles: £100
Legal Expenses - £0 – except for claims relating to nuisance or trespass of a property, which each have a £250 excess
HomeLet's Tenants Contents Insurance also includes Tenancy Liability
The Tenants Contents Insurance policy incorporates our as standard. If you accidentally damage your landlord’s property, this will cover you for repairing or replacing their broken fixtures, fittings and furniture up to £10,000. (This is in addition to the £50,000 for your own contents) Tenants Liability Cover
Can Tenancy Liability Insurance protect against deposit deductions?
Tenants Liability Insurance can reduce the risk of 'end of tenancy' deductions as it covers the cost of fixing accidental damage to the items provided by your landlord. Read our Tenants Tips article to find out more about how to protect against deposit deductions and
. regain your security deposit in full
How is this different from my security deposit?
Tenants Liability Insurance is not a replacement for your security deposit. The cover is designed to reduce the risk of deductions from your deposit. It pays out for some of the most common reasons a landlord might keep your money at the end of your tenancy.
It's worth noting that you shouldn't leave it until you move out to make a claim. Most insurance providers give a maximum of 30 days after the incident for you to make one. It won't protect you for deductions from your deposit where you haven't paid all your rent or utility bills or don't leave the place sufficiently clean.
Find out more about Tenants Liability Insurance and how it works as a standalone type of cover
. here How to Get Insured
There’s two main ways to get insured with HomeLet: online and over the phone.
When buying online, you’ll find that our site has everything you need for a quick, easy way to get cover. Whether you’re searching on desktop or buying on the go from your mobile, we make it easy for you to access the best policy for your needs.
Get a quote using the button below to start the process: (usually takes just 2 mins)
GET A QUOTE
Call our insurance specialists…
Give us a call and one of our friendly team will be happy to either answer any questions you might have about our cover, or help arrange your insurance over the phone.
We're open from 8:30am-8pm Monday to Friday and 9:30am-1pm Saturday - we're always happy to help.
We’re here for you, online or on the phone
We understand buying insurance, or making an insurance claim can be easier to talk it through with someone, an expert who can help you through the process. At HomeLet we give you the option whether to buy / contact us online or if you’d prefer to speak to a real person, we’re here for you, 8:30am to 8pm Monday-Friday and 9:30-1pm Saturday.
We're for Tenants
Since January 2013, £3.6 million has been paid out under our HomeLet Tenant Insurance policies.
Here are some common issues that have been paid out for under the Tenants Contents Insurance policy;
Child accidentally throwing a toy at the TV
Drink spilled on laptop
Spilled wine on carpet
Jar dropped on hob
Making a Claim
If you need to make a claim on your policy, we’ll be on hand to help you every step of the way.
You can call our claims line on
0330 333 7230. The lines are open Monday to Friday, 9am to 5pm.
If you’re the main policyholder, please be aware that you’re responsible for making claims, even if you’re covering the possessions for other members of your household.
Find out more about making a claim. Frequently Asked Questions
Here are some common questions about this type of cover:
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 personal possessions anywhere else in Europe (extending to anywhere in the world for up to 60 days), you can choose to have this cover option for an additional premium.
Will old things be replaced with new ones if I have to make a claim on my home renters insurance?
Our policy provides cover on a new for old basis. 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.
What if my circumstances change?
You need to notify us if any relevant circumstances change as this could impact your cover or any future claims you might need to make. For example, you’d need to let us know about a change of address or anything that would alter the answers and information you provided when you set up your cover. If you’re unsure, just call a member of our friendly team and they can be of assistance.
What if i'm moving house?
Are you moving to a new house? No problem! Your Tenants Contents Insurance is transferrable, so you can take your policy with you - even if you buy your own home.
How much coverage do I need for renters insurance?
How much tenants contents insurance coverage you need is entirely up to you. Think about whether you want to cover your own contents, or just your liability for the items provided by your landlord. The cost of replacing both your possessions and those of your landlord are considerations when deciding how much renters insurance do I need.
How much is renters insurance per month?
At HomeLet, we offer a Tenants Liability policy for £8.50 per month. If you want to upgrade to Tenants Contents Insurance including Liability this is from £11 per month.*
Do I need to do anything if i'm going travelling?
If the property has been left unoccupied for more than 30 days, cover for malicious damage, escaping water, and theft will not be provided. Accidental damage, accidental loss of metered water or oil in domestic heating systems and tenancy liability are also not included.. However, providing you have the relevant extended cover, we would insure items you’ve taken on your travels with you.
Useful Information and policy documents
Do you have more questions for us? Check out our renters insurance Frequently Asked Questions section
Are you looking for the policy documents? It’s important that you read these to understand exactly what’s covered. You can find out more about Contents Insurance Incorporating Tenancy Liability, and Tenancy Liability as a standalone product, in the documents from our Policy documents section below.
If you’re an existing customer with a Tenants Contents Insurance+ policy or a Tenants Protection policy, you can find our policy documents in the help section.
Visit our help section What's not covered by HomeLet's Tenants Insurance?
We recommend that before you buy one of our policies you read through the insurance
to make sure it’s the right cover for you. policy wording
Here are some key elements of what isn’t covered by our Tenants Contents Insurance policy (but it’s not an exhaustive list);
We do not cover theft unless force causing damage to the main building of the home was used
General wear and tear or damage that has happened gradually over a period of time
Chewing, scratching, tearing or fouling by domestic pets
Consequential or indirect losses
has been given a customer experience rating of by 8,221 of our customers, through independent feedback from We have been awarded as a Feefo Platinum merchant for 2020, this means our rating has been above 4.5 out of 5 throughout the entirety of 2018 and 2019. Our T enants Insurance, available across the UK Feefo.
To read more renters insurance reviews, you can see feedback from our customers on our
. Feefo page
*Cover starts at £11 per month for £50,000 of contents cover and £10,000 of
. 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. Tenancy Liability cover
HomeLet is a leading supplier of Landlord Insurance, Tenant Referencing and Tenant Insurance. HomeLet is a trading name of Barbon Insurance Group Limited, which is authorised and regulated by the Financial Conduct Authority for insurance distribution.