Tenants’ insurance guide
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Do tenants need insurance?
As a tenant you will not normally need to take out buildings insurance as this is the responsibility of your landlord.
However, if you are renting an unfurnished property, then tenants’ contents insurance is essential if you want to protect your personal possessions against insured risks such as flood, fire and theft. Many tenants mistakenly believe that their landlord’s insurance will provide sufficient cover for their needs – it won’t. In reality a landlord’s insurance policy will normally only cover the building itself and its permanent fixtures and fittings.
Even if you are renting a partly- or fully-furnished property and your landlord has additional cover in place for the contents in it, the policy is unlikely to cover your personal belongings – for example jewellery, cameras, bicycles, handheld gadgets, sports equipment, laptops, games consoles, musical instruments and clothing. So even where the bulk of the items within the property belong to your landlord, the highest value items may still belong to you; this is where tenants’ insurance can give you valuable peace of mind.
Tenants’ insurance guide
Tenants’ insurance guide
Our tenants’ insurance guide gives you the facts about insurance for renters, so you can buy online with confidence.
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