Things to consider when you are renting
You should make sure you keep track of your own possessions. Keep receipts where possible, particularly for your more expensive items, but at the very least make sure there is some kind of evidence that they exist. Take photographs of your furniture, electrical items and jewellery. List their value, model number and other useful information and keep some kind of running valuation. It will help to speed the process up if you ever do need to make a claim as you may have to prove that you owned them.
This may seem like a Herculean task, but it is only a big job, once. Then you simply have to update your records occasionally. You will be glad you did it if you ever have to make a claim as you will have an accurate set of records for the insurance company. You will have to do a list at that point anyway and it will be far more difficult from memory.
On that point, don’t just save your list on a computer, either, back it up to cloud storage. If your computer is stolen or ruined and the only record of your inventory goes with it, then that would be a bitter pill to swallow.
When renting a property you do still need to take responsibility for keeping your possessions safe, so take care of them with the right level of contents insurance cover for you and your things. And remember renter’s insurance is just contents insurance – same protection, just a different way of living.
You can ensure you are getting a great deal on your home contents insurance by comparing leading providers to assess your options with just a few clicks of your mouse, right here with us.