Whether you rent a flat just for yourself or a house for you and your family, the landlord must make sure the building and its fixtures are insured. It’s your personal responsibility as a tenant to arrange protection for your possessions against loss or damage.
Rental house insurance, rental home insurance, tenant’s insurance and home contents insurance for renters, are all used by insurers to refer to the same thing – insurance for your personal belongings if you rent or own a leasehold.
It’s important to check your insurance because insurers vary in what they cover as standard in their home insurance rental property policies. You should confirm if they include items such as:
As a tenant, having home contents insurance for rented property gives you extra protection for personal possessions. It’s reassuring to know that loss or damage to your furniture, clothing, curtains and electronic goods will be covered against incidents like a burglary, or damage caused by a fire or flooding.
Your possessions may be valuable and costly to replace, it is wise to have protection in place should the worst happen.
It may not be obvious what the total cash value of your possessions is. A sensible approach to working it out is as follows:
1. Make a record of your possessions, by room, highest value items first.
2. Remember to keep your records up to date, especially if you add valuable items.
You might have to give details on the policy for especially valuable items and you should check this in your contents insurance for rented property. There is likely be a limit on any claim.
Lloyds Bank home contents insurance for renters covers your belongings against theft, water damage and fire in your rented home.
In addition, if you can’t live in your home because of an incident you’re claiming for, we’ll:
1. Provide you and your family with alternative accommodation.
2. Find a suitable place for your pets to stay, until you can return.
We’ll also replace locks and keys, freezer contents, money and cards, and belongings of visitors.
Limits, terms and exclusions apply. See our policy booklet for full details (PDF).
As well as cover against theft, or damage from fire, smoke, storms or flooding, Lloyds Bank home contents insurance provides as standard:
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.
Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.
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