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What insurance do I need if I rent?

What insurance do I need if I rent?

Home ownership among 25-year-olds has more than halved over the past 20 years, with just 20% now owning their own place. If you’re one of the majority who rent, you’ll need to know what insurance you need. This is our guide to all you need to know.

Chris King
From the Home team
minute read
posted 21 FEBRUARY 2020

Do I need buildings insurance if I rent?

Fortunately for you, buildings insurance is nearly always your landlord’s responsibility. Buildings insurance covers the structure of the building, the exterior, fixtures and fittings, central heating and water system – everything that’s the owner’s responsibility.

What insurance should I have as a tenant?

  • Home contents insurance - buildings insurance may be your landlord’s responsibility, but if you’re a tenant or lodger you’ll still need a good home contents insurance policy. This will make sure your personal belongings are covered in the event of a fire, flood, theft or damage
  • Personal possessions insurance - check your policy to see if you’re covered for items lost or stolen outside the home, such as phones, laptops, jewellery or clothing. If your home insurance policy doesn’t cover these, you may need to look for personal possessions insurance
  • Accidental damage insurance - if you’re a tenant in someone else’s property, it can be a good idea to get accidental damage insurance. Spilled wine on carpets some accidental toddler artwork on the curtains surfaces – these things happen, and if you’re covered for them to be repaired or replaced, you won’t lose your deposit

How do I find the right insurance for my rented home?

You need to make sure you have got the right cover for your living situation. We can help – just find out more about contents insurance for renters or start a quote now.

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