Tenant Contents Insurance for your rented home, with Tenancy Liability Protect your belongings and your liability as a tenant too, on one policy
£50,000 of contents cover to protect your personal possessions£10,000 tenants liability cover for accidental damage to your landlord's propertyOptional extras including cover outside the home or protection for high value itemsTransferable between properties - even if you buy your own homeGet a Quote
* 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.
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. Having cover in place for when you move in means you have the safety net to protect you if something goes wrong. Plus, if you take out Liability Insurance, you’ll have some peace of mind that if you accidentally damage any of your landlord’s items in the property, you would be able to claim through this policy.
To help you decide, here’s a look at the cover available for you as a tenant from us here at HomeLet.
Tenants Contents Insurance from HomeLet
No matter how careful you are, there’s always the possibility that something could go wrong. By taking out Tenants Contents Insurance, you can ensure that if your belongings are stolen or damaged while you’re letting a property, you won’t have to worry about paying for replacements.
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 things, this type of contents insurance for renters is there to provide protection.
How does Tenants Contents Insurance from HomeLet work?
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.
When you take out Tenants Contents Insurance with us, you will be covered for up to £50,000 as standard. This will cover you if you need to put in a claim for certain insured events, such as theft, flood, Escape of Water and fire.
Our contents cover protects you, your partner, your children and any other person who permanently lives with You, including up to two sharers but not lodgers or any other paying guests, in the event of things such as fire, theft or flood. You’re also covered if there’s accidental damage to your TV, audio, video, DVD and personal computer equipment.
It also includes:
Money (up to £500 per claim) and credit cards (up to £200 per claim)
Pedal cycles within the boundaries of your home (up to £500)
Contents in your garage, shed or outbuildings (up to £2,500)
Locks changed following theft of keys (up to £1,000)
The items covered will depend on the policy you choose and there are certain add-ons and upgrades that you can opt for, depending on your circumstances.
Watch our quick video to find out more about HomeLet Tenants Contents Insurance
VIDEO
What's it worth?
When choosing the right policy for you, it’s important to know what will automatically be covered and any extensions you might need. Generally, gadgets, appliances and clothes fall under a typical policy, however there are some restrictions in place.
For example, your bicycle is covered under this renters’ contents insurance, but this only applies to pedal cycles and not motorbikes. Also, the standard cover only applies if your bike’s worth up to £500. You can insure more expensive bikes, you’ll have to advise us of this and it may increase your premium. Do you have more than one pedal bike? You’ll get up to £500 per bike.
Overall, the following items are covered:
Clothes and jewellery*
Ornaments, antiques and heirlooms*
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 (as above)
Double-check with our team of insurance experts to find out what your policy will cover.
*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, clocks, watches, furs, photographic equipment, binoculars, telescopes, musical instruments, collectors’ items, pictures and other works of art, rare and unusual figurines and ornaments, curios, guns, collections of stamps, coins or metals.
As with any type of insurance, it’s important to make sure you have enough cover. To find you don’t have enough to replace some of your more expensive items can place significant financial strain on you.
Are there any optional add-ons available?
There are several options for you if you want a more tailored quote. This can include upgrading your cover for specific 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 items. Examples include your TV and personal computer equipment.
Mobile phones are excluded from our limited Accidental Damage cover. With the Accidental Damage extension, you can extend your Accidental Damage cover for just £4 a month to include most of your contents whilst within your home, including mobile phones up to £300.
Specified personal belongings
This optional cover is designed to protect your higher value personal possessions over £2,500 against accidental damage, loss or theft, even outside your home.
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. You would be cover in the European Area. There is also cover any anywhere else in the world for up to 60 days in any Period of Insurance.
For personal belongings the most we will pay for any one item is £2500, if you have an item worth more than this, than you may want to consider our specified item cover.
Some items have different limits, for example the most we will pay for Credit Cards is £200. Money; £500, Mobile phones; £300, Pedal cycles; £500. Check your policy wording for full details.
Pedal cycle extension
Our optional Bicycle Cover protects your bicycles when you take them out of the boundaries of your home. If you’re a keen cyclist, this option will ensure your pedal cycle’s protected In the European area and also anywhere in the world, 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
Cover to help you to claim compensation or to defend your legal rights.
What are the excess levels?
Here’s an at-a-glance guide to the excess levels for Tenants Contents Insurance:
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
Possessions: £100
Specified Possessions: £100
Pedal Cycles: £100
Legal Expenses - £0 – except for claims relating to nuisance or trespass of a property, that has a £250 excess
How much does HomeLet's Tenant Contents Insurance Cost?
Here at HomeLet, for up to £50,000 standard cover on our Tenants Contents Insurance*, we offer a price across the UK of £11 a month . This is subject to certain criteria and could change. If you choose to pay for your policy monthly, a monthly admin fee of £1.99 will be payable.
Tenants Liability Insurance from HomeLet
The Tenants Contents Insurance policy incorporates our Tenants Liability Cover
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.
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, fuss-free 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:
GET A QUOTE
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.
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 members of your family or house-sharers.
Find out more about making a claim.
Any 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 for an additional premium.
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.
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. 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 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
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, escape of water and theft will not be offered. However, providing you have the relevant extended cover, we would cover items you’ve taken on your travels with you.
Useful Information and policy documents
Do you have more questions for us? Check out our Frequently Asked Questions section here
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 policy wording to make sure it’s the right cover for you.
Here are some key elements of what isn’t covered by our Tenants Insurance policy (but it’s not an exhaustive list);
Contents;
We do not cover theft unless force causing damage to the main Building of the Home was used.
General wear and tear/gradually operating causes.
Chewing, scratching, tearing or fouling by domestic pets.
Consequential or indirect losses.
Feefo Gold Merchant 2019
We have been awarded as a Feefo gold merchant for 2019, this means our rating has been above 4.5 out of 5 throughout the entirety of 2018. Our tenants insurance has been given a customer experience rating of 4.6 out of 5 6136 of our customers, through independent feedback from Feefo .
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 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.
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.
