If you’re currently renting a property, you may be unsure what type of insurance you actually need. As a tenant, you won’t have to worry about buildings insurance. Cover for the actual structure of your rental property is the responsibility of your landlord or managing agent.
The property owner should have a comprehensive buildings insurance policy in place to cover any damage that occurs to the property’s structure, along with fixtures and fittings such as the kitchen or bathroom units.
Your own personal possessions, however, are your responsibility. To make sure they’re fully protected, you’ll need to have contents insurance for tenants in place. This type of insurance is designed to cover the personal belongings you have in your rental property. This can include any furniture that you own, televisions and more valuable items such as jewellery.
If any of your personal items are stolen from your rented property, or they’re damaged by flood or fire, your contents insurance could help you meet repair or replacement costs.
Always read through all the terms and conditions that apply and note any excess amounts that you’d have to pay in the event of a claim.
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Tenants’ contents insurance may vary between different providers, so it’s important to check all the details of your chosen policy. Some items, like laptops and bikes, may not be automatically included in the cover – so may need some additional insurance. Equally, very expensive items may need to be specified on the policy and require additional cover.
Accidental damage cover is covered as standard which could help cover the cost of a mishap – like an accidental breakage or a DIY mishap.
Cover is increased automatically during the period of a wedding and Christmas, and there is a 24 hour emergency helpline in case disaster strikes.
So for a tailor made quote, contact our team today.