Home Insurance when Renting

J3OEF

Can anyone help me, i am about to move into an old property, it use to be a post office but has since been converted into a 2 bedroom house. I am required by the letting agents to get home insurance, now is this just contents insurance or both building and contents?

Will the agent be able to tell me what type of locks the doors have, roof type and when it was built etc.

Does anyone know of a good insurer also

lisyloo

I would chcek with them what they mean, but they probably mean contents.

J3OEF

its just contents which i need they said so any ideas guys? what insureres should i stay away from and what shall i quote?

my partner has an engagement ring valued £2k which she wants cover for outside home also, is this personal possesions?

McKneff

try a comparison site for your contents. The ring may have to be insured separately. and yes it is personal possessions.
From my own experience keep your receipt for the ring. Take a photo of your partner wearing it as my insurance co. wanted proof of possession when i couldnt find the receipt for a gold bracelet bought about 15 years ago. I have since had all my jewellry valued and have a certificate for it.

J3OEF

ive tried a few like CIS, direct line and used comparison sites such as gocompare, compre the market, moneysupermarket and im getting quotes within the region of £20 - £23

McKneff

J3OEF wrote: »

ive tried a few like CIS, direct line and used comparison sites such as gocompare, compre the market, moneysupermarket and im getting quotes within the region of £20 - £23

Is that 20 to 30 per month for all your contents or just the personal possesions

lisyloo

Try lloyds tsb.
They might do cashback on quidco (I got £120 for car and £120 for buildings & contents).
I had a car claim with them.

You can also adjust you "single item limit" so you won't have to insure the ring seperately.
I have a £5K limit so don't need to put items down individually.

Yes, you do need personal possesions if you want items insured outside of the house.

J3OEF

thats per month for £25000 contents, accidental damage cover and personal possessions upto £2,500

J3OEF

lloyds tsb quoted me very high just then lol

McKneff

It doesnt seem too bad for the full cover that you have asked for.
Mine with the CIS is around £180 but i pay it in full annually.
You will pay extra for paying monthly

simon_templar_2

If you go with Abbey you can pay monthly at no extra cost.