Contents insurance for renters and tenants

Find out how to cover the important stuff if you rent your home.

If you rent, you'll want to know your personal items are protected. Contents insurance could cover the cost of repairing your belongings if they are damaged by things like a fire or flood. Or the cost of replacing them if they are stolen.

Some of the main items covered include:

Electronics
Jewellery
Furniture

Limits, terms and exclusion apply to all levels of cover. For more information on what isn’t covered, check out our policy documents.

When your arranging contents insurance, it's a good idea to work out how much the things you own are worth by:

Making a list of all the items you want to be covered and how much they cost.
Use the total to decide how much cover you need.

How does contents insurance for renters and tenants work?

Buildings insurance should cover the structure of the property you rent and any fixture and fittings. Things like the fitted bathroom or kitchen and should be covered by the landlord as they own it.

Your landlord will also be responsible for insuring any white goods or furnishing that belong to them. For example, carpeting or a fridge that was there when you moved in.

Contents insurance protects your belongings in your home should the worst happen. Your items will be protected in case they are damaged or lost due to things like:

Theft
Damage from fires or floods

If you move, either to rent another property or buy, you may be able to take your contents insurance with you.