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    • ajstar
    • By ajstar 3rd Oct 17, 2:26 PM
    • 2Posts
    • 0Thanks
    Query about the insurance clause in my tenancy agreement.
    • #1
    • 3rd Oct 17, 2:26 PM
    Query about the insurance clause in my tenancy agreement. 3rd Oct 17 at 2:26 PM
    Hi all,

    I am new to home and contents insurance as I was previously covered under my parents' policy so I'm hoping you can provide me with some insight.

    I'm renting a property and in my tenancy agreement there is a clause about insurance, specifically to:

    'obtain and maintain a policy of insurance with a reputable insurance company to provide not less than 2500 of cover for accidental damage to the Landlord's property, fixtures and fittings and possessions'.

    The house is furnished. Is this clause typical of a tenancy agreement? My previous agreements have not had this but they were student rentals. I assumed we would just need to get contents insurance but 'property, fixtures and fittings' sounds like I will need to get home insurance too. Am I correct? And doesn't the landlord already have to have insurance to cover this themselves?

    TIA for your advice.
Page 1
    • Aretnap
    • By Aretnap 3rd Oct 17, 5:00 PM
    • 2,976 Posts
    • 2,490 Thanks
    • #2
    • 3rd Oct 17, 5:00 PM
    • #2
    • 3rd Oct 17, 5:00 PM
    It's not asking you to take out full buildings insurance. Most contents policies aimed at tenants will include tenant's liability cover - ie cover damage you cause to the landlord's property for which you'd otherwise be liable personally. It's worthwhile having this anyway, as otherwise if you, say, carelessly left a tap running and flooded the bathroom you could end up having to pay for quite a lot of damage yourself.

    If the landlord has a mortgage he'll have to have buildings cover of his own; if he doesn't then it's his choice whether to insure his property or not. In any event (a) a building's policy won't always cover accidental damage and (b) your own liability for damage you cause isn't affected by the landlord's insurance situation. His insurance is there to protect him; yours is there to protect you.
    • ajstar
    • By ajstar 3rd Oct 17, 11:52 PM
    • 2 Posts
    • 0 Thanks
    • #3
    • 3rd Oct 17, 11:52 PM
    • #3
    • 3rd Oct 17, 11:52 PM
    Thanks for your reply. So then I should be looking for a contents only insurance aimed specifically at renters that has some sort of accidental damage cover in it?
    • Quentin
    • By Quentin 4th Oct 17, 10:05 AM
    • 35,912 Posts
    • 20,185 Thanks
    • #4
    • 4th Oct 17, 10:05 AM
    • #4
    • 4th Oct 17, 10:05 AM
    Yes .
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