What is contents only insurance?

Contents insurance will only cover the items in the property that aren’t part of the structure. You will need separate buildings insurance to cover the structural aspects of the property.
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Are washing machines covered?

Yes, all household appliances should be covered. 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 cover is offered for 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 at the time of quotation to ensure cover 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 in your rental property and their estimated value. Take the estimated value from receipts or from searching for similar items on the internet.
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What is the difference between landlord contents insurance and tenant contents insurance?

Landlord contents insurance covers the contents of the rental property supplied by the landlord, such as furniture and appliances. Whereas tenant contents insurance covers the contents of the tenant's belongings like clothing, electronics, and jewellery.
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Do I need contents insurance for my tenant's belongings?

Landlord contents insurance doesn’t cover the tenant’s belongings, and it is not the landlord’s responsibility to insure the tenant’s possessions. The tenant will need to take out personal contents insurance if they want to be protected.
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