Is home contents insurance for tenants an item you need to put in place? Frequently people living in rented accommodation are under the misapprehension that their property is covered on their landlords insurance protection but that is not the case. Almost all landlords will have specific insurance protection in position to cover the building structure and any items they own in the property, however, you need insurance to safeguard your own private items. There is nothing preventing you getting standard home contents insurance but tenant specific insurance is almost certainly a much better choice. Tenants insurance coverage has a few additions to regular contents insurance.

One of the main benefits of home contents insurance for tenants is you get protection for anything in your tenancy agreement that you’re legally liable for, which tends to suggest any damage brought about. Say for example you spill a tin of paint on the carpeting or damage the fridge or cooker provided by the landlord, you will likely have to replace or fix those items at your own cost and that could be a specific liability within your tenancy agreement. Added cover can include cover for any visitors or guests in your home and their possessions whilst they are in your home.

If you live partially furnished accommodation you should only insure the items you’ve in the property, all the things the landlord provides will be taken care of on their own insurance. A number of local authorities or housing association landlords suggest their own insurance which may be very low cost, however, you can select your own insurance organisation. If you have some other sort of insurance protection such as for a vehicle or maybe even a pet it’s worth approaching your insurer of these to see if they do home contents insurance for tenants because you could get yourself a price cut to have additional insurance cover with them. In the event you don’t’ have any tenants contents insurance you really need to look at getting some right now and getting that valuable protection in place.