What does tenant's insurance cover?
If you're renting a house or a flat, typically you won't need to insure the building itself (that should be your landlord's job). Contents cover isn't compulsory but it could be a good idea if:
- You want to cover your personal belongings like clothes, furniture and gadgets from theft or damage from floodwater and fire
- You need extra cover for accidental damage, in case you damage your landlord's furniture or the building itself (this is usually an optional extra)
- You're living in a shared house and you want to make sure that your stuff is covered from any mishaps
- You're a lodger and you need to make sure that your own belongings are protected
To speed up your quote, it'll be useful to know how much your contents are worth. If you don't know this, you can use our handy contents calculator tool to give you a rough idea of how much your belongings are worth.
Why would I need it?
If you choose not to have a renter's insurance policy and something happens to your belongings, you could be left out of pocket.
Research from esure says that you're six times more likely to be the victim of a burglary if you don't have the proper locks in place. It's worth making sure your landlord has fitted the correct locks on all your doors and windows. See our guide for more information.
Accidental damage cover is an optional extra on most contents policies, but when almost half of all contents insurance claims are for accidental damage, having extra cover in place is worth considering.
Living in shared accommodation (also known as a House in Multiple Occupancy) could increase the risk of your possessions being damaged or going missing. Take a look at our tips to keeping your belongings safe.