Contents Insurance - What does it cover?
Contents insurance cover is for the things that could be taken away, and you need to have enough cover in place so that you could replace everything you own if something was to happen to your property.
Tenants do have a legal liability to protect landlords' contents left at the property they are renting and should take contents insurance, however, many do not. Would the deposit pay for repairing or replacing all of your fittings?
Just Landlords Building Insurance automatically provides landlords with £5,000 free contents cover for carpets, curtains, blinds and white goods. If you have more in the property or should this not cover for these, you can take contents insurance from £1,000 upwards.
|Household goods within the premises, which you own or which you are legally liable for.|
|Radio and television aerials, satellite dishes, satellite television receiving equipment, their fittings and masts which are attached to the premises.|
|Items in outbuildings, garages or sheds, which are situated within the boundaries of the Premises, up to £500 in total.|
|Metered water or domestic oil in a fixed oil tank up to £1,000 which you have paid for and are legally liable for.|
|Carpets but not permanently fitted flooring.|