Home Insurance from someone renting

aggypanthus

go to the comparison sites, if you find a good cheap quote, you can then call them and go through it in more detail, making sure everything you want is covered. ie, contesnt ins starts with contents in the home only, then you can choose to add cover for items which you take outside the home, or specify items of a certain value. in the home , you can have basic cover, or accidental cover also. Its all in the detail.

FreddieFrugal

*Scarlett wrote: »

IanRi - is that £49 for the year inc cashback? I certainly hope so as £49 p/m sounds horrific for contents only insurance.

Lol yes yearly - would never pay insurance monthly. The OP mentioned his yearly quote so I did too. You're right £49 p/m would be horrific!

gino_76ph

I was told to pay £29 per month for a value of £3500 of my contents.

And is it better to get a comprehensive home insurance or just for my tech & gadgets stuff you think as those are the "most wanted" for thieves nowadays i think.

FlameCloud

Assuming you dont have multiple claims, convictions and live in a dump, £29 a month for £3,500 is huge- who is it with? I would avoid like the plague any 'specialised' tennants cover- it is highly priced for very poor cover. Simply look for normal contents cover through Direct Line, Aviva et al, in addition to confused.com searchs.

I used to live in SW1 and I paid something like £12 a month through M&S- so at the time £75,000 in cover.

Lifeforms

Whether you live in a furnished rent, or unfurnished proper contents (not gadget insurance, or any of those types of policies) will cover all items like clothing, bedding, rugs maybe, towels. your stuff you bring in...

So for my cover I renewed last month it was 2k per item for away from home coverage, which I Want to pay for, and the rest is normal coverage including electronic items at home in the scenario that you're worried about.

Go get normal contents insurance as if your house fell down, burnt up, got burgled and vandalised then you need to cover everything that belongs to you in there. It is significantly cheaper than just a bank issued gadget insurance policy.

Mine was £80 (inc the monthly finance charges) a year I think, but 3 yrs only no claims and I wanted a couple of extra like dear stuff away from home for musical instruments.

*Scarlett

Most home contents policies will cover your gadgets, tech stuff for normal perils, fire, theft, etc and some will also include accidental damage cover for audio visual equipment as standard. They will usually have an additional charge if you want items covered for loss or damage away from home.

As stated before £29 p/m is a lot for £3.5k cover. Depending on what you have in your house you would probably want to insure at least 3 times this amount on a contents policy.

Some insurers have a contents calculator - maybe try

http://www.legalandgeneral.com/insurance/insurance-products/home-insurance/contents-calculator/contents-calculator.html

http://www.directline.com/home-insurance/buyers-guides/contents-calculator.htm

gino_76ph

I am renting a small bungalow/detached flat with my wife all in street level near or just beside a street light.

But recently there has been intrusions in my neighbour; the fence at the side of the flat normally leads to the other house at the backyard and it looks like someone has jumped over it and my neighbour reported that some of their stuff went missing.

I'm more concerned of theft that fire but the flat being in front of the street light would that mean any burglur will think twice in robbing us during the night?

FreddieFrugal

gino_76ph wrote: »

I am renting a small bungalow/detached flat with my wife all in street level near or just beside a street light.

But recently there has been intrusions in my neighbour; the fence at the side of the flat normally leads to the other house at the backyard and it looks like someone has jumped over it and my neighbour reported that some of their stuff went missing.

I'm more concerned of theft that fire but the flat being in front of the street light would that mean any burglur will think twice in robbing us during the night?

Whether its likely or not mate you should have contents insurance. The cost of a policy will immediately seem worth it if you ever were unfortunate enough to have to claim.

But the amount you have been quoted is rediculous. Do a comparison site search for standard contents insurance.

I got mine through the AA as it was cheapest at the time and came with cashback too. Before that I was with MoreThan which was reasonable too - just a shame they sent my renewal letter to the wrong address! So I switched assuming they weren't interested.

Buzby

Street lighs have little relevance. They do not report things to the police - you need a nosey or concerned neighbour to take an interest.

Neither would an insurer give you a favourable discount decause of it - so not insuring based on this alone would be risky.

gino_76ph

I still have 11 months from my current tenancy contract. Still worth getting one?