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It can be difficult to know when you’ve found the right cover for your contents. With so many options out there, we want to make the process of finding the right insurance as easy as possible for you. Get an instant online quote for tenants insurance that includes cover for fire, flood, theft and replacement locks and keys up to £250 as standard. Not only that, but you can customise your cover to ensure you have all the protection you need for your contents, including optional legal expenses, accidental damage and home emergency cover. We’ll provide cover for:
Control the amount of cover you need. We offer contents cover from £3,000 to £80,000, depending on your individual circumstances.
You're covered for up to 30% of the sum insured for loss or damage to buildings for which you are legally responsible under the terms of your tenancy agreement.
If something happens to your home and makes it uninhabitable, caused by an event covered by your contents insurance policy, we’ll give you up to 20% of the sum insured for the total cost of getting temporary accommodation.
Laptops and mobile phones can be covered up to £1,500 while you’re out and about. You can also cover more expensive items by specifying them on your policy.
Need to know more before making a decision? We’ve taken the time to answer some of our customers’ most frequently asked questions so you have all the information you need when you go to get a quote.
Tenants’ insurance is a type of home insurance which provides cover for those renting a property.
Tenant insurance (otherwise known as contents insurance for renters or renters’ insurance) will protect your belongings against certain risks (such as fire, theft or storm damage) and can even provide cover for alternative accommodation in the event of something unexpected happening to your home. Endsleigh’s tenant insurance will also provide tenants’ liability cover for any fixtures and fittings that are owned by your landlord (such as carpets and furniture).
Renters’ insurance will prevent you being left out of pocket should something unexpected happen to your things, such as your belongings being stolen, or destroyed in a fire. And you can even personalise your policy to include additional cover such as accidental damage or home emergency cover.
While your personal contents (or tenants) insurance policy will provide cover for any belongings that you own in the property, this doesn’t include the belongings that is owned by your landlord. Should anything happen to these items, you could be expected to cover the costs out of your own pocket. The tenants’ liability insurance section of your policy will provide additional cover, usually a percentage of your contents sum insured, for your landlord’s belongings.
Endsleigh’s tenants’ contents policies will provide up to 30% of your total sum insured towards landlords’ fixtures and fittings. If you’re unsure what level of cover you have for tenants’ liability insurance, please check the details of your quote online or speak to a consultant on 0333 234 1552.
Do I need tenants’ liability insurance?
If you’re living in a furnished property, then your landlord may expect you to pay for any damage that happens to the furniture during the tenancy from your deposit when you move out. It may even be a clause in your tenancy agreement, although you will usually not be responsible for damage caused by general wear and tear.
If you're prone to drops and spills (after all, who isn't), then Endsleigh may be able to help you safeguard yourself against the potential cost should you or a visitor at the property cause damage to any of the landlords belongings.
You may be thinking “Is renters’ insurance really necessary?” If you’d like to protect your belongings whilst they’re in your rented property then yes, you’ll need to look for the best home renters’ insurance to suit you. Although having tenant house insurance isn’t a legal requirement in the UK, it’s a sensible option to protect your belongings against the unexpected.
Plus, many landlords encourage and even make it a requirement for tenants to take out tenants’ liability insurance and this is sometimes included in your tenant’s insurance. So you can make sure both your belongings and your landlord’s fixtures and fittings are covered under one simple policy.
Who pays insurance on a rental property?
The landlord will insure the building, however, it would be the tenants’ responsibility to put contents (and tenants’ liability) insurance in place on a rental property. As a tenant, this is to protect your own belongings and any of the landlord’s fixtures and fittings. Insurance will protect the home’s contents in the event of something unexpected happening, for example, a fire, flood or burglary.
If you’re concerned about your budget, tenant insurance costs may not be as expensive as you think.
The cost of tenants insurance will vary depending on your exact circumstances. For example, your quote will depend on the total cost of your home’s contents, your home security and so on. The average cost of renters’ insurance will vary across insurer and it’s always worth checking directly with insurance providers, rather than just on comparison sites.
We know that having your own place isn’t cheap. Here are some ideas to lower the cost of your renters’ insurance in the UK.
1) Calculate your contents carefully
Accurately calculating your home’s contents will make sure that you don’t over-insure. It’ll also help make certain that you’re completely covered if you need to make a claim.
2) Pay annually
Although you’ll usually be able to choose to pay monthly for your renters’ insurance to save on upfront costs, paying annually is usually cheaper overall.
3) Increase your excess
Increasing your voluntary excess amount may reduce your overall renters’ insurance cost.
4) Build your no claims bonus
Building your no claims bonus (otherwise known as no claims discount) could help you save money. After you renew your policy, you could compare your tenants’ insurance cost with last year’s to see how much of a difference your NCB made.
Are you a renter or a tenant? In terms of rental property insurance, a tenant and a renter is the same thing in the UK. A renter is someone who rents a property, vehicle or object for money. A tenant is someone who occupies land or property which is rented from a landlord. For this reason, tenant insurance is referred to as various different terms such as home renters’ insurance and tenants’ contents insurance to name a few.
Tenants’ insurance vs contents insurance
If you’re wondering how tenants’ insurance in the UK differs with contents insurance, it doesn’t! Tenants’ insurance is just a version of home contents insurance specifically for renters.
There are lots of different reasons why renters’ insurance is worth taking out.
For starters, it can save you a lot of money should something unexpected happen to your belongings at home. For example, if someone broke into your property and stole your things, could you afford to re-purchase them? Contents insurance for tenants makes sure that you’re covered in lots of different circumstances such as theft, fire and flood. And you can even add additional protection for accidental damage, legal and home emergency cover.
As well as the financial savings, tenant insurance allows you to go about your life with one less thing to worry about – letting you live your life fully, whilst your insurance protects your things at home.
When you take out tenant rental insurance, you’ll need to provide certain information about the property (such as what security is in place and the value of the contents within the property).
It’s really important to make sure you calculate the cost of your belongings properly to make sure you’re fully covered.
Imagine this. You estimate your home’s contents to be around £10,000. Later in the year, your home is involved in a fire. Thankfully no one is hurt, but on sorting your contents insurance claim, you realise your contents are actually worth around the £20,000 mark. This means you’d only be able to claim for the amount on your policy – £10,000.
The easiest way to accurately calculate the value of your belongings is to go through each room and tally them up. It’s worth noting that higher value items will need to be specified on your insurance policy (things like fine art or jewellery).
You should also take note of the types of things covered under rental property insurance. Most insurers will cover things like clothes, furniture, personal items and electrical goods.
Some insurers will include tenants’ liability cover which will protect your landlord’s fixtures and fittings whilst you’re renting. At Endsleigh, we include tenants’ liability cover in our renters’ insurance policies. You’ll be covered for up to 30% of the sum insured for loss or damage to buildings for which you’re legally responsible for under your tenancy agreement.
No you don’t. Your landlord is responsible for taking out buildings insurance. However, if you wish to make sure your belongings are protected, plus your landlord’s fixtures and fittings, it will be your responsibility to take out home renters’ insurance.
The tenant is responsible for all damage that occurs to a property whilst the property is under their care. Unfortunately this means that if, for example, your property is furnished and you damaged a piece of your landlord’s furniture, you would be responsible for any repairs to make things right. This is where tenants’ liability insurance comes in, as it covers your landlord’s fixtures and fittings; meaning you could claim on your insurance for the repair.
At Endsleigh, we include tenants’ liability insurance as part of our renters’ insurance. So you can insure your own belongings and protect your landlord’s fixtures and fittings under the same policy, at no extra cost.
A landlord may require the tenant to purchase renters’ insurance as part of their tenancy agreement. However, it’s more likely that they require you to take out tenants’ liability insurance which will provide cover for the fixtures and fittings in the property that are owned by them, but are your responsibility as a tenant. Taking out renters’ insurance will usually provide cover for both your belongings and your landlord’s fixtures and fittings together under one policy.
As with all insurance policies, there are a few things that aren’t covered. Here are some of the renters’ insurance limits:
- Wear and tear
- Costs for maintenance
- Damage caused by your pets
- Your excess as stated in your policy documents
- Theft or vandalism caused by you or any person who is lawfully in your home
- Cover will be restricted if your property is left unoccupied for more than 30 days
If you’re a student, we have specifically designed student contents insurance policies to provide cover in rented accommodation. If you’re living in halls, you may actually already have cover as part of your tenancy, head here to check.
If you’re living in a shared house, or even still at home with your family, you can still check out our student contents insurance policies here.
With over 50 years’ experience, we have the expertise to create flexible insurance policies built around your lifestyle. We work closely with a leading panel of insurers to ensure we’re providing the right cover for your home, making it quick and simple to build your cover and add optional extras and upgrades should you need them.
Looking for some handy tips and tricks? Find out more on the blog!