Tenants and renters Contents Insurance
- Includes bicycles, laptops, mobile phones and tablets.
- Tenant building liability included.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
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Contents Insurance for renters
What is Tenants Insurance?
Tenant insurance (also referred to as renters insurance) is a contents insurance policy specifically designed for people who rent the home they live in. Most of us would struggle to replace our possessions if they were stolen or damaged, which is why tenant insurance is essential for protecting your belongings.
Your belongings are classed as all the items you would take with you when you move home. To take out tenant contents insurance, you need to work out how much your belongings would cost to replace as new, as a Homeprotect policy will pay out on a new for old basis, which means that if you make a claim you will receive the full value of the item at today’s prices.
Remember, your landlord has a responsibility to have buildings insurance to protect against damage to the structure of the property and its fixtures, such as kitchen units, flooring and bathroom units, but your belongings are your responsibility.
Although it’s not essential to have contents insurance when you’re renting your home, having suitable cover in place gives you peace of mind should the unexpected happen – see our policy booklet for details of our cover.
Tenants Home Insurance VS. Tenants Conents Insurance
Unlike home-owners, those who rent their property are not required to hold home insurance – in fact, the term ‘tenant home insurance’ is usually only used in reference to ‘tenant contents insurance’.
Broader home insurance policies can combine building insurance and contents insurance, however, building insurance is the responsibility of the landlord and not the tenant.
Your personal belongings, on the other hand, are your own responsibility to cover for damage, loss or theft. Tenant contents insurance can be invaluable for replacing or covering the cost of items from your home, in the case of a flood, fire or robbery.
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What’s covered by contents insurance?
Your belongings make your house feel like home. If they’re stolen, damaged or destroyed, our contents insurance helps cover the cost of replacing them — so you’re not left out of pocket.
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
This includes items like furniture, electronics, clothing and kitchenware — plus a limited amount for contents stored in garages, sheds and outbuildings within your boundary.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
12-month repair guarantee
Any repair work we arrange after a claim is guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Gradual wear and tear, or damage caused by pets
Faulty design, construction, or workmanship or failure to fix a known issue
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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*Survey data of 1,089 buying customers from 30th October – 12th November 2024
Contents Insurance Cover Levels
Our contents insurance is designed to protect your belongings against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £10,000
Home emergency
Covers sudden, unexpected emergencies — such as an uncontrollable leak — that require immediate action to prevent damage or secure your home. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals Two levels of cover are available.
Optional
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Your latest policy documents are available to view and download.
Your Questions Answered
Visit every room in your home (including the attic, shed and cupboards under the stairs!) And list all your belongings including curtains, kitchen equipment, luggage etc. Research how much it would cost to replace each item as new and then add up the full amount you’d need to replace everything.
We normally cover the amount you specify, however if you enter a very low amount your policy may include more than this, if this is the case you will be made aware of this before purchasing.
Although you should check the specific terms of your tenancy agreement, common practice is that landlords only take out buildings insurance for properties they let out and tenants are responsible for buying insurance cover for their belongings. This arrangement makes practical sense as you can ensure that the level of content cover you get is appropriate for the things you own including any high risk items, bikes and electronic gadgets.
In most cases, if you make sure the value of these items are included in the value of contents to be insured. Please note that there are some items that we can’t insure such as boats and water skis, please refer to the policy booklet for full details.
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