What is student contents insurance and do I need it?
Contents insurance for students protects your belongings while you are studying away from home. It’s a form of home insurance designed specifically for students.
It means that if your possessions are stolen, or damaged after an incident like a flood or fire, you won't have to pay for replacements yourself.
It's up to you whether you buy students contents insurance - there's no legal requirement and your landlord or accommodation provider can’t insist you have it either.
But if you’re worried about break-ins or your belongings getting lost or damaged, student contents insurance could give you peace of mind.
Some student accommodation might include some contents insurance as part of your agreement, but it's important to check whether it provides the level of cover you need. This is particularly important if you're reliant on expensive tech like laptops to get your uni work done.
Even though your landlord might have buildings insurance, it's unlikely to cover your belongings.
Conversely, as a student, you won't need buildings insurance when living in your rented accomodation. Repairs to the bricks and mortar accomodation are the responsibility of your landlord. As the owner, your landlord can buy dedicated landlord insurance to help protect their property.
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