Tenant contents insurance

You should start your cover the very day your tenancy begins.

• When you move into a new rented flat or house.
• If you live in a shared home or HMO.
• Before you move expensive gadgets into a new place.
• When your current policy is up for yearly renewal.
• If you change your address during your lease.

Getting cover is usually a quick process you can do online.

• Provide your new postcode and full address details.
• Tell the insurer about your door and window locks.
• List any single items worth over one thousand five hundred pounds.
• Pick your start date to match your move-in day.
• Pay your premium and save your digital policy documents.

Having this insurance gives you peace of mind while you live there.

• It protects your bank balance if a disaster happens.
• It often includes legal cover for accidental damage you cause.
• You can protect valuable gadgets like phones and laptops.
• It helps keep your tenancy deposit safe from repair costs.
• You feel more secure knowing your belongings are covered.

Insurers will ask specific questions to work out your monthly price.

• They need to know the total value of your things.
• They ask about previous claims you have made before.
• You must state if you have flatmates or live alone.
• Some ask if you want extra cover for accidental damage.
• They will check if you need protection outside the home.