Contents insurance on unfurnished house

diggeroony

I am renting out my house for the first time in the next few weeks. I am currently looking at quotes for landlord insurance, as the property will be unfurnished is there any need for contents insurance?
I understand it covers carpets & curtains/blinds. However, if they were damaged I would need to pay my excess and I would also have the tenants bond to cover any damages.

What are peoples opinions on having contents insurance in my situation?

Thanks

G_M

Some landlords building insurance policies specifically include £5K or 10K contents cover - for precisely the reason you describe. It's enough for carpets and white goods etc.

Otherwise just take the risk and only get building cover. If the worst happens and the building burns down, OK you'll be out of pocket for the carpets etc, but it's a small risk, and manageable (unlike the buildings cover which you should definately get!)

davidmcn

diggeroony wrote: »

I would also have the tenants bond to cover any damages.

Only if the damage is their fault...