As a tenant in rented accommodation your landlord will be required to have adequate landlords buildings insurance in place but you if you want to protect your possessions from damage or theft then you’ll need tenant home contents insurance.
Even if you are in shared accommodation you can still get cover for your own possessions and those of the flat mates or house mates who you share with.
As part of any tenant home contents cover you can also choose to cover your personal possessions away from the home for instance if you are travelling.
As a tenant your home contents insurance will normally include cover in the home for items such as computer equipment whether that’s a trusty laptop, iPad or mobile phone.
You can also normally get cover for bicycles or individual high value items that you own as part of a tenant home contents insurance policy however it’s best to check with any provider if their cover extends to away from home.
Unless you choose extra cover at an additional premium then accidental damage to your possessions isn’t normally included as part of a standard tenant home contents insurance policy.
When deciding how much contents sum insured you may need it’s worth adding up what it would cost to replace your contents and possessions as a tenant. If the worst happened how much would it cost to replace all your clothes, DVDs and electronic equipment (laptops, TVs etc) for instance?
It’s also worth checking how long any tenant home contents insurance policy will cover your possessions if you are away from your home. Most standard policies will normally provide cover if your rented home is unoccupied for up to 30 consecutive days. However at CanCanCover.com we work with partners who may be able to offer longer periods of unoccupied contents cover.