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Tenants' contents insurance

Compare cheap tenants’ insurance and protect the belongings in your rented home

  • Compare tenants' contents insurance quotes to protect against theft and damage
  • Get a contents insurance?quote for rented self-contained flats, shared flats and houses
  • Use the contents calculator to add up the value of your possessions

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Compare tenants' contents insurance with GoCompare

Key points

  • A typical tenants’ contents policy will cover you for fire, flood and theft, with accidental damage often offered as an optional extra?
  • You may be covered for gadgets and mobile phones through an existing current account with your bank. Be sure to check before committing to extra cover
  • Compare tenants’ contents insurance with GoCompare and keep your belongings safe for less

If you’re renting a property, chances are that some of the most valuable things you own will reside within the four walls you’re inhabiting.?

Whether it’s a shiny new laptop or a priceless family heirloom, tenant contents cover can give you peace of mind.?

What is tenants' contents insurance?

Home contents insurance for tenants acts much like regular contents insurance for a homeowner, covering your personal possessions within the home.?

However, the renter’s version of contents cover includes one key difference – namely tenants’ liability insurance.

Why do I need tenants' contents insurance??

Imagine coming home from a hard day’s grind and finding your wall-mounted smart TV has been stolen, your new games console has been damaged by floodwater, and your favourite chair has spontaneously combusted. Mondays, eh?

While that particular scenario may be a tad unlikely, it’s no exaggeration to say that bad luck can strike at any time.?

A good contents insurance policy will keep you covered, even if you do fall foul of Lady Luck.

Get informed

What does tenants' contents insurance cover?

Tenants’ contents cover typically includes protection for fire, flood and theft, with accidental damage often tied on as an optional extra.

Different insurance providers will have varying opinions on the inclusion of gadgets – such as mobile phones and laptops – while bicycles can also be a grey area.

This is often due to the fact these items are removable and can be used remotely, outside of the property.?

More often than not, a static gadget – like a desktop PC – will usually be included in the standard coverage.

Does tenants’ contents insurance cover landlords' fixtures and fittings?

Any good policy worth its salt will include tenants’ liability cover.

Tenants’ liability insurance covers the occupier for accidental damage to third-party items in addition to their own, so you won’t need to tear your hair out if you spill a glass of red on your landlord’s pearly white sofa.

However, it’s worth remembering that not all policies include the same features, so be sure to read the policy docs carefully before signing on the dotted line.?

Contents insurance for tenants in shared accommodation

Contents cover in a shared house can be a real headache when it comes to the nitty gritty.

Some insurers will flat-out refuse to cover multiple occupants, due to the complications it can entail.?

Others that do insure shared accommodation may include exceptions in their policies. Be sure to know what you’re signing up for beforehand, and any exclusions that may apply.

For students in shared housing, it may even be worth seeking out students’ insurance cover.?

It’s specifically designed for university life, the typical items of importance, and the inevitable comings and goings of housemates year-to-year.

Did you know...?

  • Some insurance companies will provide cover for accidental damage to your landlord’s possessions, such as carpets

Where can I find the cheapest contents insurance for tenants?

If you want to save money on your contents insurance, there are a few handy tricks you can employ to keep the costs down.

Firstly, it can be helpful to know just what cover you already have before you sign up for any optional extras.?

For example, you may already have gadget cover or mobile phone insurance with your bank as a perk of your existing current account.

You could be covered without even realising it and double-checking could save you time, money and hassle.

Finally, when it comes to hunting down cheap contents insurance for tenants, perhaps the easiest way to unearth a great deal is to simply compare tenants’ insurance with a price comparison site.?

A simple search with GoCompare can help trawl through countless policies instantly and could lead you to the cover you’ve been looking for.?

By Martyn Grant

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