How to Get Contents Insurance Cover for Landlords

Whatever the type of property, or however many properties, you rent out as a landlord almost certainly you have a lot of money tied up in that property. Make sure you protect your investment by taking out Landlords contents Insurance.

You might be tempted to take a chance by not taking out landlords contents insurance in the belief that nothing bad might happen to your property and its contents, but if you don’t take out any insurance cover and something happens to the property and/or its contents then you could find that you’re substantially out of pocket to the tune of thousands of pounds.

You should also bear in mind that the average deposit provided by a tenant, which is usually only one month’s rent, wouldn’t go anywhere near covering the cost of replacing the contents of the property if anything were to happen to them.

Although contents insurance is not a legal requirement in the UK, by taking out adequate cover not only will you be protecting the contents of your rental property but also giving yourself peace of mind.

Landlords contents insurance covers items you own such as furniture, televisions, electrical equipment such as vacuum cleaners, fridges and washing machines, curtains, carpets, etc, in case they get damaged or are stolen. Contents cover can be obtained ranging from £5,000 to up to £50,000 on a new for old basis with simple Landlords Insurance.

A wise landlord needs to make sure that they protect their rental property contents by taking out landlords contents insurance. However much we might like to think that bad things only happen to other people, unfortunately that’s not always the case and it’s a lot better to be safe than sorry!


  1. Image titled Get Contents Insurance Cover for Landlords Step 1
    Do your homework before you buy landlords contents insurance. The type of policies, coverage and prices can vary widely so make sure you get several quotes. Putting in the time to do some research before committing yourself to any insurance policy will mean that you get the best protection for your money.
  2. Image titled Get Contents Insurance Cover for Landlords Step 2
    Find out what is covered under a landlords contents insurance policy. As with any insurance policy, be sure exactly what type of cover is provided before committing yourself to a policy. Add-ons are available with many policies, such as buildings insurance and emergency assistance.
  3. Image titled Get Contents Insurance Cover for Landlords Step 3
    Make a full inventory of the contents in the property. Make out a full inventory of the contents of the property, together with photographic evidence and values for all the items in the inventory.
  4. Image titled Get Contents Insurance Cover for Landlords Step 4
    Have the basic information about your property on hand before calling the insurance company. You should know what contents are in the property, the dates the items were purchased, their values, etc.
  5. Image titled Get Contents Insurance Cover for Landlords Step 5
    Notify the police in the event of theft, etc. Immediately notify the police following loss or damage by theft, disappearance of valuable items, attempted theft, malicious damage, violent disorder, civil commotion or riots.
  6. Image titled Get Contents Insurance Cover for Landlords Step 6
    Evaluate your Landlords contents Insurance policy every year to determine if it needs updating. Keep your insurance company notified of any additional contents you purchase for the property.


  • The landlords contents insurance should be with a reputable company at an affordable and competitive premium and the insurer should be one that deals with all claims as quickly and efficiently as possible.
  • Many insurance companies provide free quotes.
  • Make the most of the Internet by doing price comparisons of landlords contents insurance policies.
  • It is possible to get contents and buildings insurance from different insurance companies although often very good discounts are available when they are bought together.
  • Once you have taken out an insurance policy, make sure you keep a detailed record of dates when you have visited and inspected your property.
  • Don’t leave the property unoccupied for 30 days or longer.


  • A landlords contents insurance policy is not a legal requirement, although not owning one is a very risky choice! Renting out a property without having adequate Landlords contents insurance would be extremely foolish. Any number of things could happen while the property is being rented out and no landlord would want to find themselves in a position where they are totally unprotected because they have no insurance in place and, as a consequence, are substantially out of pocket.
    • Don’t under-insure in the mistaken belief that it won’t matter and that you’ll save money. It can be very tempting knowing that you could save some money by under-insuring but if disaster does strike you could find yourself having to pay out many thousands of pounds to cover any damage that has been caused. It is never worth the risk. Always make sure you have adequate landlords contents insurance in place.
    • Make sure you check the level of your excess in your insurance policy. The excess is the amount of the claim that you would be required to pay on your Landlords contents insurance. The rule of thumb is that generally the higher the excess on the insurance, the cheaper the insurance policy. You shouldn’t, however, go for too high an excess as this would preclude making any claim for many of the more numerous, smaller items.

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