Rental contents insurance
There are three main types of home insurance: buildings insurance, contents insurance, and combined buildings and contents insurance. If you’re a tenant, the buildings insurance is the responsibility of your landlord. It covers the structure of the building, including walls, windows and roof, plus permanent fixtures, such as baths, toilets and fitted kitchens. It might also include other buildings, such as sheds and garages.
Contents insurance covers all the possessions within your home, including appliances, furniture, clothes, jewellery, televisions and tablets. This is the type of insurance you might want to take out if you’re a tenant.
If you live in rented accommodation you’ll still need home insurance, but only contents cover to protect your home contents and personal possessions. Here’s what you need to know.