Landlord Contents Insurance

Landlord contents insurance covers more than just the furnishings so it’s worth taking out protection for unfurnished properties. White goods and fixtures such as washing machines, curtains and carpets are covered too.

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.

Landlord contents insurance only 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.

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.

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.

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.

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.

No landlord contents insurance only covers the contents of your property. No cover is offered for the landlord’s contents from outbuildings.

Flooring and tiling are not covered. You will need landlord buildings insurance for this protection. Carpets are covered under contents.

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.

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.

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.

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.