Tenant Home Insurance FAQs
How do I calculate the value of contents to be insured?
Visit every room in your home (including the attic, shed and cupboards under the stairs!) and list all your belongings including carpets, curtains, kitchen equipment 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.
Are items in my shed or garage covered?
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 Booklets for full details.
What is “under-insurance” and what happens if I am under-insured?
Under-insurance means the cost of rebuilding, replacing or repairing the buildings or contents at the time of the loss or damage is more than your amount of cover. If this situation arises the insurer will only pay a portion of the claim.
For example if your amount of cover only covers one half of the cost of rebuilding, replacing or repairing the buildings or contents, the insurer will only pay a half of the cost of repair or replacement.