Contents Insurance for tennants

Dee_cb

I've recently moved into a flat ( first time) I'm wanting to get contents insurance but my landlord was talking about getting a kind of bolt on to this insurance which is for tennants. I've been looking for this whilst doing quotes and I can't find anything. Can some one please point me in the right direction

Thank you

forgotmyname

Do you trust your landlord? Is the rental all legit?

Maybe he is renting it without declaring it and worried in case it comes to light when you get insurance?

phill99

It's Tenants

InsideInsurance

You can get "tenants" insurance which generally is just contents insurance which allows very low value sum insured but also tends to give very low value.

Normal contents insurance will normally include a tenants liability section, you may want to check that the policy you're looking at has this prior to buying as its one of those features that can be stripped from products sold via aggergators to reduce cost without changing headline information.

nicjane113

You need to take a policy out in your own name for your contents. Just a standard household insurance policy for contents only will cover you and shouldn't be too expensive depending on the area you live.
Contents can be added onto a Landlord's insurance policy but it's usually just for the Landlord's contents that he may have in the property.
If you need to make a claim for your contents and the policy isn't in your name, the insurance company won't pay out

Dee_cb

phill99 wrote: »

It's Tenants

Really helpful, thanks for your input

Dee_cb

Thank you for your advice.

I don't owe alot of valuable items at the moment so I wouldn't need it to cover a high value. I'm more worried about if I damage the flooring and having to pay to get that fixed more than anything.

olly300

Dee_cb wrote: »

Thank you for your advice.

I don't owe alot of valuable items at the moment so I wouldn't need it to cover a high value. I'm more worried about if I damage the flooring and having to pay to get that fixed more than anything.

If you do a search on the forum you will find the names of some insurers who will cover damage to landlord's contents. The only one I can think of at the top of my head is Endsleigh.

However personally when I rented and was recently looking for one of my relations at uni, I found them more expensive than other insurers.

If you are worried about damaging the flooring then you need to take dated pictures of it now. If it's not new, while you are expected to pay for the damage you are not expected to pay for betterment.

Also unless the damage you do is extensive, then it will be cheaper for you to pay for the damage yourself as all insurance policies have excesses.

Dee_cb

olly300 wrote: »

If you do a search on the forum you will find the names of some insurers who will cover damage to landlord's contents. The only one I can think of at the top of my head is Endsleigh.

However personally when I rented and was recently looking for one of my relations at uni, I found them more expensive than other insurers.

If you are worried about damaging the flooring then you need to take dated pictures of it now. If it's not new, while you are expected to pay for the damage you are not expected to pay for betterment.

Also unless the damage you do is extensive, then it will be cheaper for you to pay for the damage yourself as all insurance policies have excesses.

Do you think it worth me just getting contents insurance and saving money just in cas I do damage the floor?

notrouble

A straight contents policy will just cover YOUR contents (clothes, any furniture that is yours etc). It will NOT cover anything belonging to the landlord (HIS contents or his building - eg the floor).

You need specific 'tenants' policy which will also cover your liability to the landlord (ie damage you do to his property or belongings).

http://www.endsleigh.co.uk/Home/Pages/rented-property-insurance.aspx

https://homelet.co.uk/tenants/why-homelet

http://www.paragonadvance.com/index.cfm?action=tenants_contents_insurance

rs65

notrouble wrote: »

You need specific 'tenants' policy which will also cover your liability to the landlord (ie damage you do to his property or belongings).

I have a standard household policy and it has a tenants liability section. It is not a specific tenants policy.

I don't need it or asked for it - it is a standard part of the policy.