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Do You Need Landlord Insurance If Your Tenant Already Has Business Insurance?
When letting out a commercial property, some landlords assume that if a tenant holds business insurance, it covers all risks. In reality, commercial…
Landlord ContentsInsurance
Landlord Contents Insurance
Cover for the furnishings, white goods and carpets you provide, not your tenant’s belongings.
Cover for the furnishings, white goods and carpets you provide, not your tenant’s belongings.
White goods & carpetsCurtains & fittingsTenant damage add-on
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is landlord contents insurance?
Landlord contents insurance covers items you own inside a rental property, white goods, carpets, curtains, light fittings and any furniture you supply. Buildings insurance covers the structure; this covers what sits inside it.
It does not cover your tenant’s possessions. They need their own tenant contents policy, and it’s worth saying so in writing at the start of a tenancy.
The right landlord contents cover depends on:
Furnished, part-furnished or unfurnishedValue of items you provideWhether carpets and curtains are includedCommunal area furnishingsAccidental damage requirementsNumber of properties let
Is landlord contents insurance right for your property?
Is landlord contents insurance right for your property?
If you supply anything inside the property, even just carpets, curtains and a cooker, this is the cover that replaces it.
If you supply anything inside the property, even just carpets, curtains and a cooker, this is the cover that replaces it.
Fully Furnished Lets
Properties let with furniture, appliances and soft furnishings throughout.
Part-Furnished Lets
The most common arrangement, white goods, carpets and curtains but no furniture.
Unfurnished Lets
Even here, carpets, curtains and fitted appliances are usually yours to insure.
HMOs & Shared Houses
Shared kitchens and communal areas where furnishings take heavier use.
Student Lets
Higher turnover and heavier wear on furniture and appliances.
Serviced & Short Lets
Properties let fully equipped, where contents value is often highest.
What could put your contents at risk?
What could put your contents at risk?
Escape of water and theft cause most contents claims, and the damage to furnishings often costs more than the structural repair.
Escape of water and theft cause most contents claims, and the damage to furnishings often costs more than the structural repair.
How could a claim affect your property?
How could a claim affect your property?
Contents damage can make a property unlettable even when the building is sound. Here are four scenarios and the cover that responds.
Contents damage can make a property unlettable even when the building is sound. Here are four scenarios and the cover that responds.
Fire
A fire destroys the kitchen appliances and carpets you supplied.
What cover may respond?
Landlord Contents
Escape of Water
A leak soaks carpets and ruins furniture on the floor below.
What cover may respond?
Landlord Contents + Buildings
Storm Damage
White goods are stolen from the property between tenancies.
What cover may respond?
Landlord Contents
Visitor Injury
A tenant damages furnishings beyond fair wear and tear.
What cover may respond?
Landlord Contents (Malicious Damage)
Who needs landlord contents insurance?
If you supply anything inside the property, even just carpets, curtains and a cooker, buildings insurance won’t replace it. Most landlords own more than they realise.
This cover may be suitable for:
Landlords letting furnished propertyPart-furnished lets with white goodsLandlords supplying carpets and curtainsStudent let landlordsLandlords with several propertiesServiced and short-let ownersCover built around what you provide
Cover built around what you provide
Landlord contents covers what you own inside the property, with accidental and malicious damage usually available as add-ons rather than included.
Landlord contents covers what you own inside the property, with accidental and malicious damage usually available as add-ons rather than included.
Landlord Contents
Covers furniture, white goods, carpets, curtains and light fittings you own.
Accidental Damage
Optional cover for one-off accidents, a cracked hob, a torn sofa or a damaged worktop.
Malicious Damage by Tenants
Covers deliberate damage by a tenant, which standard contents cover often excludes.
Buildings Insurance
Covers the structure itself, fitted kitchens and bathrooms usually sit here, not under contents.
Property Owners’ Liability
Protection if an item you supplied causes injury, such as a faulty appliance.
Loss of Rent
Helps replace income if contents damage makes the property unlettable while replacements are arranged.
How the quote process works
How the quote process works
Getting landlord contents insurance takes four steps: tell us about the property, value what you provide, compare specialist insurers, then get covered, often the same day.
Getting landlord contents insurance takes four steps: tell us about the property, value what you provide, compare specialist insurers, then get covered, often the same day.
1
Tell us about the property
Whether it’s furnished, and what you supply.
2
Value your contents
Add up replacement cost, not what you originally paid.
3
We compare specialist insurers
We search our panel of specialist landlord insurers.
4
Get covered and get your documents
Receive your policy documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Landlord contents insurance guides
Landlord contents insurance guides
Practical advice on what to insure, valuing contents and tenant damage.
Practical advice on what to insure, valuing contents and tenant damage.
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Landlord contents insurance FAQs
Landlord contents insurance FAQs
Straight answers on what’s covered, tenant damage and cost.
Straight answers on what’s covered, tenant damage and cost.
It covers items you own inside a rental property, white goods, carpets, curtains, light fittings and any furniture you supply. Buildings insurance covers the structure; this covers what sits inside it.
Still have questions?
Our advisers are here to help you find the right solution.