Contents insurance for rented home

twinklyspecialkag

Hello everyone,
We need to buy contents insurance for our new rented home. It needs to have accidental damage cover for both the landlord and our contents. Wheres the best/cheapest place to get this???? Is this normally standard?? No idea where to start!!


Thanks!!

poppy_f1

http://www.moneysupermarket.com/home/ would be a good place to start so you can work out the figures

twinklyspecialkag

poppy_f1 wrote: »

http://www.moneysupermarket.com/home/ would be a good place to start so you can work out the figures

Thanks poppy! ive been through the main article on home insurance. Does accidential damage cover both yours and the landlords? Cant find it written clearly anywhere.

thanks

MortgageMamma

I would suggest you call a local brokerage and ask them for something that offers tenants liability cover, so say if you break a window accidentally then it woudl be covered, as otherwise for this type of thing you usually need buildings insurance, contents alone wouldnt cover it

Becky_2

Hi twinklyspecialkag!

In January I started a similar thread, since I need content insurance for my room only. I know you a are looking for somthing slightly different but perhaps yoy might find the information which was posted there useful.
http://forums.moneysavingexpert.com/showthread.html?t=673781

Good luck

Becky

magicdamo1984

you wouldnt be able to cover your landlords contents if that is what your asking for,nor should you want to.

twinklyspecialkag

:money:

magicdamo1984 wrote: »

you wouldnt be able to cover your landlords contents if that is what your asking for,nor should you want to.

Thanks for all the replies. Why is that magicdamo? Im the agreement it says that we need to get insurance that covers both theirs & our contents...even though the property is unfurnished.

thanks

Wyndham

You need to have an 'insurable interest' in something in order to insure it. In this case, that means it has to belong to you. You can't insure property that belongs to someone else. Your landlord is responsible for insuring their possessions in the house (i.e. if they have kitchen appliances in there etc).

If a window is broken, that is part of the building, so not insurable under contents insurance. The landlord may, however, ask you to pay or withold some of your deposit if he/she thinks you are liable.

easynotec3

I'm assuming the landlord means that you need to have cover in place in case you damage something like the bath, sink, kitchen worktops etc. If that is the case you will need to take out contents cover for your own items and "Landlords Fixtures and Fittings" cover for the fixed items (similar to buildings cover but as stated - only covers fixtures and fittings not classed as contents).

twinklyspecialkag

Thats great, thank you for the info. I think i need to talk to the agent and get them to be alot more specific in what they need.

Many thanks!!!

jeppy

Wyndham wrote: »

You need to have an 'insurable interest' in something in order to insure it. In this case, that means it has to belong to you. You can't insure property that belongs to someone else. Your landlord is responsible for insuring their possessions in the house (i.e. if they have kitchen appliances in there etc).

If a window is broken, that is part of the building, so not insurable under contents insurance. The landlord may, however, ask you to pay or withold some of your deposit if he/she thinks you are liable.

This is different! You can get this insurance through Let Plan or Homelet

It includes your contents in full and extends to inc your landlords contents for around £500 Covering your deposit!!