When you rent a furnished or unfurnished property, even if it is not for a long time, it will be in your best interests to take out tenants contents insurance.

Should your property be fully furnished, you will not own the contents, but you will be responsible for certain types of damage to them. Should the furniture become the victim of wear and tear, the tenant may not be responsible. But damage that can be attributed to your irresponsibility, or that of any visitors, can be charged to you, and taken off your deposit. An advantage of this is that since you can be held responsible for accidental damage to your landlords’ property, you can cover yourself for this as well.

You can cover yourself for household goods, personal effects, furniture, coins, stamps and other collections, along with other valuables. You could even have the option of covering the value of the frozen food in your deep freezer. Sometimes, you can be covered for money and anything else that belongs to or is the legal responsibility of you as a tenant. You can cover yourself against all of the usual standard perils. But ultimately, this kind of insurance is covering you for the value of your personal possessions along with the deposit you have paid.

Most policies will cover you for the cost or replacement locks due to keys that have been lost. You should also get alternative accommodation and any rent that is legally due. You should also find out if the contents will be replaced on a new for old basis. Landlords need to be aware of their responsibilities here. They are completely responsible for getting buildings insurance, because they own the buildings, and they should also get contents insurance to cover their property in the flat. The deposit may not be enough to cover all of the possible damage that can occur when your property is rented out. This insurance, together of course with careful referencing of your tenants, could reduce the risks you take on significantly.

so, how do I get a quote?

Simply click here, fill out the easy to navigate questionnaire, and follow the easy instructions for your free quotation. If you have any further questions or would just prefer to talk to an advisor, call us on 01424-433500 for helpful service.

Part of Hastings Insurance Centre Limited