Contents Insurance FAQs
Read our most frequently asked questions listed below. To narrow down your search try selecting a specific category or if you cannot find the answer you are looking for please do not hesitate to contact us.
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What does landlord contents insurance cover in a flat?
Landlord contents insurance for flats includes cover for the cost of repair or replacement of furniture and appliances that you provide in your rental flat in the event of a claim.
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Do I need landlord contents insurance for flats?
Yes, as a landlord renting out a flat, the same rules apply, and you will need to invest in landlord contents insurance for flats. We also offer specialist landlord flat insurance to protect you in the event of fire, theft and damage to the property and its contents.
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What is contents only landlord insurance?
Landlord contents insurance only covers the items on the property that aren’t part of the structure. You will need separate building insurance to cover the structural aspects of the property.
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Are washing machines covered?
Yes, all household appliances should be covered by your landlords content insurance. Read your policy carefully to ensure you’re happy with the level of protection.
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Is flooring covered under landlord contents insurance?
Flooring and tiling are not covered. You will need landlord buildings insurance for this protection. Carpets are covered under contents.
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Will the contents of outbuildings be covered?
No landlord contents insurance only covers the contents of your property. No cover is offered for the landlord’s contents from outbuildings.
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Why can't landlords use regular home contents insurance?
Regular home contents insurance won’t cover rental properties. There is a greater risk of damage to the contents of rental properties and this is factored into the policy. As a landlord, you must take out cover aimed at landlords for it to be valid.
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What do I do if a tenant damages my contents?
If a tenant damages the contents of your property, you could file a claim against their security deposit. If the cost of the damage is more than the security deposit, you may need to claim on your landlord contents insurance.
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What if I have a high-value item?
You may have a high-value item, such as an antique piece of furniture or state-of-the art appliance. You will need to disclose this information when finding contents insurance quotes to ensure coverage can be provided.
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How do I work out the value of my contents?
You will need to make a list of all the contents of your rental property and their estimated value. Take the estimated value from receipts or from searching for similar items on the internet. This needs to be correct to ensure your landlord contents insurance quotes are accurate and your coverage is valid.
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Home selling secrets
Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.
First time landlords
We are first time landlords and you gave good advice and the process was easy and good value.
A pleasure to deal with
A pleasure to deal with, the lady on the phone was a credit to her company.