Contents insurance for renters

With renters' insurance, UK providers can cover your contents and protect your belongings.

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Last updated: 15 September 2020

Do you need contents insurance for renters?

Yes, even if you do not own your home, you should get tenants' insurance, UK wide, to protect your belongings. This can be especially valuable if you have furnished the property yourself.

Insurance for renters will protect your contents against theft, loss or damage while you are living in your rented home.

Get as many online quotes as possible, so you can find the cover you need at the cheapest price.

If you are a landlord, you can compare landlord contents insurance here.

Find out what contents insurance can cover

How much is renters' insurance

UK providers charge, on average, £135, according to the Association of British Insurers (ABI). But the price of your contents insurance will vary depending on:

  • Your level of cover, e.g. accidental damage sometimes costs more

  • The value of things you want to insure

  • Your address, e.g. postcodes with a high crime rate usually cost more

  • The security at your rented home, e.g. burglar alarms can reduce your premium

  • If you have a no claims discount

Paying for your policy in full can help save you money, as insurers charge interest for paying monthly. You can also save if you buy online.

Here are 8 ways to cut the cost of your home insurance

What cover should you get?

Work out how much your belongings are worth, then compare online quotes to get the policy you need at the cheapest price.

Check the maximum contents cover in this comparison, to find a policy that offers protection for all of your belongings. You should also consider:

  • Personal possessions cover: This protects things like jewellery and gadgets, while they are away from your home. Check the cover per valuable is enough to replace the most expensive item you own.

  • New for old cover: This provides a brand new replacement if your contents are damaged, lost or stolen. If the exact item is not available, your insurer will pay for you to get a similar model of the same value.

  • Tenants' liability : This covers repair or replacement costs if you accidentally damage your rental property, e.g. you spill wine on the carpet. Most renters policies include this as standard, but check your documents to be sure.

Here is how to get the right home insurance if you rent

Contents insurance for renters FAQs

You may still need insurance to protect your own things like televisions, laptops, CDs, DVDs, books, clothing and valuables.

No, it is your landlord's responsibility to insure the building. However, you may be asked to pay the cost of the premium in your tenancy agreement.

It covers you if you accidentally cause damage to your rented property, e.g. if you stain the carpet. Most renters' policies include it as standard.

You need specialist student contents insurance if you are at university. Compare student policies here.

Yes, you will be charged an excess if you claim on your policy. This could be anything between £50 and £200, so check your documents for details.

Get home insurance quotes

Compare quotes to protect your home with the right cover.

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