Rented contents insurance for landlords compensates a landlord for his content loss or damage. It covers the items that you own, and not the items owned by your tenants. Rented house contents insurance usually covers any fixtures, appliances, furnishings on the rental property that belong to you. It offers you the security you need in case anything should be damaged or stolen.
If your tenant wants coverage for his or her own belongings, then they must buy a separate renter's insurance policy. Our insurance partners have tailored affordable insurance products for tenants across UK. Content insurance company in uk offers rented contents insurance for tenants specially to meet the requirements of tenants to cover against any potential loss or damage to personal possessions as well as legal liability protection if you are found accountable for injury to other people.
- Fire and Flood
- Earthquake or explosion
- Theft or attempted theft
- Storm, tempest
- Aircraft and other flying devices or items dropped
- Impact by any vehicle or animal
- Escape of water from any fixed water or heating installation
- Falling trees, telegraph poles or lamp-posts
- Smoke damage
Preparing an inventory of the items in your property will help you make an accurate claim. Knowing the actual figure, will help you put an eye on these items. Find out the amount it will cost you to replace or repair them in case of loss. The figure you obtain is the content coverage you need to obtain.
Ensure that your valuable items are also covered under one policy. Your contents insurance will have a maximum value per item and a maximum total payout, so if you have any that is particularly expensive or that would take you over the maximum payout, you may need to insure it separately.
Opt for a ‘new for old policy’, this is worth considering. By paying a little more for a new for old policy you get paid full cost of replacement or repair. Get new replacement for your old damaged or stolen goods.
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