Contents insurance for renters and tenants

Insurance is not rocket science. We explain everything you need to know about contents insurance for renters and tenants in this glossary article.

    What is contents insurance for renters and tenants?

    Contents insurance for renters, often called tenant liability, is a policy that covers you for damage to your landlord’s property in your rented home. Typical examples of property include rented kitchen appliances or bathroom appliances. As tenants don’t own these, standard contents insurance would not suffice. Extra cover, which many providers (including Getsafe) offer as an extension for contents insurance, is required to cover household contents that you don’t own.

    Do I need contents insurance as a tenant?

    Whether you’re a homeowner or a tenant, contents insurance can be beneficial. Any damage to your landlord’s property (tenant liability) or your own (standard contents insurance) can quickly become costs. For just a few pounds a month, you can ensure you’re covered financially against these eventualities.

    Is there specific contents insurance for tenants?

    Yes. Many providers, including Getsafe, offer an extension or add-on for contents insurance that includes tenant liability to cover you for damage only applicable to renters, such as damage to rented furniture.

    Who pays contents insurance on a rented property?

    This depends on what becomes damaged. If household contents belonging to you are damaged, then contents insurance is required for cover. Damage to your landlord’s property is protected by tenant liability insurance. Any damage to the building (not caused by you) would be covered by buildings insurance, which is the responsibility of the building owner (the landlord).

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