Tenants Insurance UK

You don't need to own your home to insure the contents of your house or flat. Many people don't know that, also many people erroneously believe that the landlord's insurance policy will cover their belongings in the event of a burglary or accident. This is not the case and it won't be fun to find this out after the event! Even if you are simply a tenant, which means you are renting a flat or house, you can still purchase tenants insurance to protect your personal belongings against theft and damage. Also tenants insurance can cover students living on university housing as well.

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Some insurance companies don't offer specific tenants insurance and what they will do is offer their basic home insurance and then omit the home portion (or put the home value at zero) and only cover the contents. Although this is fine, it does make sense to look for a specialist insurer that specifically offers tenants or renters insurance. This way, you don't have to worry about excluding certain things from the insurance coverage that not pertain to you and you get exactly what you need.

There are different types of tenant insurance coverages, depending on what your requirements are. Some insurance companies will simply set a minimum value of your belongings, in most cases, around £10,000. Therefore, if the contents of your flat or house is worth less than £10,000, you may want to look for tenants insurance that will cover specific items, such as your computer or stereo or furniture, instead of a pre-set value.

Also, other tenant insurance policies will cover your landlord's belongings as well as yours. For example, if you are renting a fully-furnished house or flat or just have appliances that belong to your landlord, and these are stolen or damaged, they would be covered by the tenants insurance policy as well. If this is the type of additional coverage you would like, make sure you discuss this with your insurance company.