Tenants Contents Insurance
If you're a tenant that rents a house or flat as partly or fully furnished then you'll need to cover yourself with your own tenants contents insurance to cover yourself against theft or loss of your possessions and landlords insurance is unlikely to protect you.
Recommended websites for tenants
| Provider | Special offers | Online discount | Online quote |
 | Churchill contents insurance
Includes up to 50% no claims bonus, new for old and £50,000 contents cover as standard | 15% | Get a quote |
 | Direct Line home insurance Direct Line guarantee to beat the price of your current contents insurance quote | 20% | Get a quote |
There are many specialist insurers who will offer cheap insurance to not only cover your possessions but those that are in the property you are renting that belong to the landlord.
Typical Policy Cover
Most policies will cover you against accidental damage and theft but check your policy first to see what type of insurance you require and any exclusions. Some policies also cover the protection of your rental deposit, the provision of alternative accommodation if you have to move out on a temporary basis and certainly a new for old with clothing excluded. Most policies should cover the following items:
- Accidental damage
- Damage from flooding or storms
- Fire
- Burglaries and theft
- Water damage from burst pipes
- Malicious damage by third parties
- Damage to landlords contents
Possession You May Need to Insure
It's easy just to pick the cheapest policy but before you do think about the possessions you have in the property but also those that you have on your person as many policies cover you for items you take out of the property as well. Some of the items you may wish to consider are:
- Landlords fixtures and fittings
- Bicycles
- Electrical items such as a laptop computer, printer, video equipment and wireless connections
- Mobile phone if you don't have cover elsewhere
- Contents in the garden such as BBQs, tables, chairs and lighting
- Personal liability cover
- Legal expenses
- Personal belongings whilst outside of the house
- Freezer contents
- Theft from outbuildings such as a garage or shed
- Money and credit cards if stolen
Remember that some of these items may already be covered under insurance you may already have or via a credit card if you have recently purchased an item.
Ways to Get Cheap Contents Insurance
Premiums will be based upon where you live (as each postcode has its own risks associated with it), the size of the property you are in, your own claim history and the value of the possession you own.
Like all insurance, tenants insurance is no different in that you can obtain discounts under certain circumstances to reduce your annual premium and these include:
- Buying via a council if you are a local authority tenant (they often have special arrangements with insurers)
- Buying online where you could get an online discount of between 10% - 25%
- Buying contents insurance with building insurance normally provide a discount and sometimes the contents insurance is free when you take out buildings insurance
- If you are over 60 there are specialist insurers who can provide a discount
Compare your costs against several insurance quotes first to ensure you get the best deal the right cover for your circumstances in terms of the premium paid, any excess payable for each claim, the value of the cover provided and whether it includes accidental damage. Cheap and effective tenants contents insurance is available through many brokers and insurance companies.
Get an Instant Online Quote Now
It's quick and easy to get a quote online and get cover right away.
| Provider | Special offers | Online discount | Online quote |
| Churchill contents insurance
Includes up to 50% no claims bonus, new for old and £50,000 contents cover as standard | 15% | Get a quote |
|
| Direct Line home insurance Direct Line guarantee to beat the price of your current contents insurance quote | 20% | Get a quote |