Compare landlord contents insurance

If you need insurance for any furnished properties you rent out, compare these insurers. They offer different levels of cover and options if you are a landlord looking for contents insurance.

7 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
Sort
Premierline Direct Landlord Insurance
Maximum cover
Buildings & contents: £20,000,000
Cover options
Landlord liability up to £10,000,000 & accidental damage
Minimum excess
Buildings & contents: £100
Premierline works with some of the UK’s most trusted insurers. Compare and buy insurance online or alternatively, speak to an advisor over the phone for insurance recommendations based on your individual circumstances and requirements.
This is an insurance broker.
Eligibility
Permanent UK Resident
Building Rated 5 Star by Defaqto
HomeProtect Landlord Insurance
Maximum cover
Buildings: £500,000, Contents: £30,000
Cover options
Accidental damage
Minimum excess
Buildings & contents: £250
HomeProtect cover listed properties, properties undergoing renovations, non-standard construction, live-in landlords & lodgers, bad credit history & more. Defaqto 5 Star buildings insurance. Get a quote online in minutes, call to request for more coverage
Underwritten by AXA Insurance.
Eligibility
Permanent UK Resident
92% 5 Star Customer Rating – Independent Feefo Reviews
Compare My Insurance Landlord Insurance
Maximum cover
Buildings & contents: Unlimited
Cover options
Accidental damage
Minimum excess
Buildings & contents: £250
As an Online Broker, they have access to the UKs biggest underwriters, the most competitive rates and INSTANT COVER. Landlord Insurance for; Occupied, Unoccupied and Blocks of Flats, UK coverage - ensuring you have a suitable policy, at the right price!
Eligibility
Permanent UK Resident
The Home Insurer Landlord Insurance
Maximum cover
Buildings: Unlimited, Contents: £100,000
Cover options
Landlord liability up to £5,000,000 & accidental damage
Minimum excess
Buildings & contents: £100
The Home Insurer has access to a wide panel of landlord insurers. Whether you need single property, unoccupied, renovation, any type of tenant, portfolios of properties or block of flats, The Home Insurer has a range of Defaqto rated policies to offer.
This is an insurance broker.
Eligibility
Permanent UK Resident

Compare another type of landlord insurance

Do you need landlord contents insurance?

If you let a furnished property, landlord insurance can give you valuable protection if your contents are damaged or stolen.

Items like carpets and curtains can be expensive to replace, so you may need cover even if there is no furniture in your property.

You can also get landlord insurance that covers your building, landlord liability and your rental income. Here is how to choose the right landlord insurance.

What counts as contents?

Your contents include anything you have put into the property that could be taken out of the house if it were sold, including:

  • Furniture

  • Kitchen appliances, like cookers or fridges

  • Curtains or blinds

  • Light fixtures

  • Carpets or rugs

  • Paintings or pictures

Even if your property is unfurnished, contents insurance can also cover the cost of replacing fitted kitchen appliances or light fittings.

Why do you need contents cover?

Replacing the contents of your let property can be expensive and landlord contents insurance can protect you against:

  • Property damage: This covers replacing contents damaged by unexpected events at your property, like fire or flood.

  • Accidental damage: This covers things like furniture or crockery breakages, or spills on furnishings and carpets.

  • Theft: This covers contents stolen during a burglary, not theft by your tenants. Some insurers let you add theft by tenants for an extra cost, but your excess may be higher.

Most landlord insurance policies let you add malicious damage by tenants to your policy, but they may charge extra for this. You may also have to prove you have carried out tenant referencing and credit checks.

Use this comparison to get quotes from insurers who can offer the cover you need.

Landlord contents insurance FAQs

Do I need contents insurance if my property is unfurnished?

You may need a small amount of cover for things like light fixtures and fitted kitchen appliances. Here is how to check if you need contents insurance here.

Do I need to cover my tenants' contents?

No, your tenants are responsible for insuring their own belongings. They can compare contents only home insurance here.

Can I claim if my tenants steal from my property?

Most insurers do not cover theft by tenants, but you may be able to add this to your policy for an extra cost. Check the terms of the policy before you buy.

Can I cover accidental damage to my contents?

Yes, but you may have to pay extra to include accidental damage cover. Use this comparison to find policies that automatically include accidental damage.

How do I make a claim?

Call your insurer as soon as possible on their claims number, which is in your policy documents. Here is more about how to make a claim.

How does new for old cover work?

If you claim for an item that cannot be repaired, your insurer will pay the value in full or replace it with an equivalent item if it is no longer available.

About our landlord insurance comparison

Who do we include in this comparison?

We include landlord insurance policies from our panel of direct insurers and brokers, who are regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

How do we make money from our comparison?

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and it does not affect the deal you get.