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What does renters insurance protect me against?
If you’re a renter, tenants insurance will normally cover your belongings against:
- Water damage
Theft if you’re the victim of a break-in.
Vandalism that damages your belongings, though renters insurance won’t cover any damage caused to the building itself.
Water damage to your possessions, for example if water leaks through the ceiling onto your TV.
Flood damage, although you won't be covered for any damage to the building itself or anything that belongs to the landlord, such as carpets.
Storm damage, which is good to know as storms have been causing plenty of havoc over recent years.
Fire damage, preventing you from having to replace all your belongings out of your own pocket.
What is and isn't covered with renters insurance?
Most tenants insurance policies will provide cover for the following:
- Clothes and jewellery
- Electronic devices, televisions and other gadgets
- Your furniture and soft furnishings, like curtains or towels
- Cutlery and crockery
- Antiques and family heirlooms
- Your bicycle, if it’s stored indoors
However, bear in mind that renters insurance often has a single item limit.
This means that it may not cover particularly expensive items like high-end laptops and jewellery.
For these, you may need a high value insurance policy, or something more specific like jewelery insurance or gadget insurance on top of your tenants insurance.
It isn't automatically included but it could be worth adding accidental damage cover to your insurance for renters policy when you get a quote.
The things that aren’t covered by contents insurance for renters include:
- Unforced entry
- Wear and tear of your contents
- Unspecified high value items
- Items away from home
- Rent arrears aren’t covered under a tenants insurance policy
- Leaving the property unoccupied for 30 days or more
We compare up to 64 trusted insurance companies1 to get you our cheapest deal in minutes
How do I get cheaper tenants insurance?
If you’re looking for a cheap tenants insurance policy, there are a few things you can do to reduce the cost of your premium:
- Improve your home security
- Pay a higher excess
- Install flood barriers
- Pay for your insurance annually, if you can
- Compare tenants insurance
Improve your home security measures by installing a burglar alarm or keeping valuables locked up. This could help to reduce the likelihood of theft, and insurers may lower your price. But before you install anything, check with your landlord because you might need their permission.
Pay a higher excess towards a claim. This shows insurers that you’re likely to claim only if there’s a good reason. Check out our guide on voluntary and compulsory excess.
Install flood barriers, if you live in an area prone to flooding. Get your landlords permission first – it may be something they can help arrange.
Pay for your renters insurance annually, if you can. Insurers usually charge more for monthly instalments so paying in one go could save you money.
Compare tenants insurance policies by shopping around to find the best deal for your needs and budget.
Types of home insurance
protects your home and its contents from those unexpected accidents.
protects the permanent fixtures and structure of your home.
protects your household belongings against theft, loss and damage.
can protect you and your rental property against unexpected costs, like building or content damage, as well as any disputes.
Student home insurance
can protect your belongings while you're living away from home.
can offer some protection for your home and belongings if you live in a flood risk area.
Over 50s home insurance
can provide peace of mind your home and belongings are protected against loss, damage and theft.
can be tailored to cover the building, content or both depending on whether you own or rent your flat.
Shared house contents insurance
protects your belongings in your room against theft, fire damage, storms and flooding.
Need more help?
Will renters insurance cover my work equipment if I have a home office?
Your office equipment might be covered on tenant insurance but you will need to check your policy. It all depends on the value of your items. If your tenants contents insurance policy doesn't cover the items, you may need to take out a separate business insurance policy.
If the items belong to your employer, it's worth asking them if they are covered under a separate policy too.
Can I get tenants contents insurance if I live in shared accommodation?
Yes, you can get tenants insurance if you live in a house share or student accommodation.
However, the cost of renters insurance can be higher if you live in shared accommodation as the risk of theft increases in a shared living environment.
If you’re a student, there also tends to be increased risk of damage to your belongings, which can further increase the price you pay.
The good news is that you can take out specialist student contents insurance, which is made for those living in student halls, or with others in private shared accommodation.
What is tenants liability insurance and do I need it?
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