Contents insurance for tenants. Make sure your valuables are covered

If you reside in a rented property then although the landlord should have taken out insurance on the buildings, it is unlikely that your personal belongings are covered. One of our popular services is contents insurance for tenants, where we seek an insurance policy that is flexible and cost-effective, offering tenants and their possessions complete protection whilst in and away from the home.

At Propertycoverplus we pride ourselves on being just a little bit different, offering a personal and customised approach to buying contents insurance for rented properties. Rather than offering you pre-packaged, off the shelf insurance policies, we put forward a completely tailored service, ensuring you are not paying for a policy with cover you do not require, but guaranteeing the cover you do!

Most standard household insurance policies will not fully protect tenants of rented properties - particularly if they are rented on a multi-tenure / shared basis. These are the main risks that are often covered:

• Fire, explosion or lightning
• Theft
• Storm or flood
• Malicious damage or vandalism
• Escape of water / oil
• Impact / collision
• Theft of keys and more

The benefits of bespoke contents insurance for tenants

In addition to standard household insurance policies, the typical tenant contents insurance we arrange covers the following main risks:

• Tenant's liability (if a tenant is legally liable for damage to the landlord's property)
• Loss of metered water
• Food in freezers
• Contents covered whilst moving home if professional movers are employed
• Accidental damage
• Cover for landlord's goods up to the value of £2,500
• Cost of alternative accommodation paid if your home becomes uninhabitable following an insured occurrence

Although a conventional home contents policy will provide a very basic degree of cover, for most insured perils, it is not specifically designed for tenants, leaving major gaps in the extent to which you are covered. Unfortunately there are countless examples of tenants who have experienced loss, whether through fire, flood, theft or other uninsured peril, who have realised to their horror, the landlord has not insured their personal possessions. We know of these cases first hand, from customers who have contacted us for tenants contents insurance after the event of a loss. We urge you not to wait until it’s too late.

Insurance for rented properties from an established, independent broker

Moving into a new home can be a time of great expense and with lots to take into account. Let us take some of the load and try to minimise costs by saving you the hassle of phoning round dozens of insurance companies in the search for a low cost insurance quote. We have strong relationships with the main insurance providers so can arrange the perfect tenant insurance cover quickly and without fuss.

Looking for unbeatable contents insurance for tenants? Then call us on 029 2062 1056 to speak to one of our friendly advisors. Alternatively email insurance@watkindavies.com or click here to fill out a call back request form, where one of our team will be in touch.