Am I covered on my Landlords insurance?

Contrary to what many tenants assume any contents they leave in rented accommodation are not covered on their landlords insurance policy.

Landlords insurance is aimed at protecting the building for damage caused not any contents. Basic fixtures and fittings would also be covered on your landlord's insurance policy however your personal possessions would not. This includes any furniture you have if you are renting an unfurnished property.

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If your belongings were taken in a burglary, damaged in a fire or flood your landlords insurance would not cover them. This is why it is a good idea to take out insurance should such an event occur. You can take out renters insurance which is specifically designed to offer tenants maximum protection when living in rented accommodation.

It covers personal possession as well as offering third party public liability protection to cover you from any claims that could be made against you by visitors injuring themselves in your property.

You will also be covered for any damage you cause to the landlords furniture which makes it a good idea to take out if you are renting a furnished property even if you don't have high value goods.

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Get a quick quote online for contents insurance for renters to make sure you're covered.

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Is a tenant covered on their landlords insurance?