Do I need buildings insurance if I rent?
You might think you need buildings insurance to protect against any damage, but you really don’t. Insuring and repairing the building simply isn’t your responsibility, if you rent from a private landlord, the local authority or a housing association it’s their responsibility to protect the building.
Buildings insurance deals with the structure of the building, the exterior, fixtures and fittings, the central heating and the water system. This is all the landlord’s responsibility and they have to address any issues and either claim from their insurance or pay from their own pocket.
If the landlord has a mortgage then it will normally be a condition of the loan that they have some form of insurance to cover any damage, but again, this is their concern.