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Tenants' cover is a form of contents insurance that’s designed to protect your possessions from flood and fire damage as well as theft, as well as liability owned by you. This isn't a policy for people who have tenants – if that’s you, then you’re looking for a landlord’s insurance policy.
Though it’s not a legal requirement for tenants to have it, it’s worth considering. Some landlords may even request that you do.
Generally, a contents policy covers:
- Your clothes and jewellery
- Any gadgets, appliances and electronics
- Books, CDs and DVDs
- Your own furniture and soft furnishings (curtains, towels, etc.)
- Cutlery and crockery
- Antiques and family heirlooms
- Your bicycle
As a rule of thumb, if you were to take something with you if you moved house, it would generally be covered under contents. When you stop and think about it, it’s a lot of stuff that could easily be lost, damaged or stolen.
To get a good idea how much your stuff is worth, use our contents calculator tool to figure out how much all of your contents are worth.
Does the building need to be covered too?
If you’re renting a house, your landlord is responsible for the building and any fixtures inside it. Winter storms causing damp coming through the walls? Not your problem. Burst pipe in the kitchen ruining the floor? Get the landlord to sort it.
If your flat is furnished by your landlord, it's their responsibility to insure their contents as well.
Your contents insurance policy is designed to cover you against fire, flood and theft, but what happens if you drop your iPhone down the toilet?
Some policies offer accidental damage cover on top of the standard policy, usually at an additional cost, which could come in handy should you break any of your furniture or devices.
Keep an eye out for policies that offer tenants’ liability cover. This helps protect you from any accidental damage to your landlord’s fittings e.g. spilling red wine on the carpet.