Contents insurance for renters
Contents Insurance for renters protects your belongings from loss or damage caused by things like fire, burglary and flooding.
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| Types of cover | Contents up to £50,000 | Contents over £50,000 |
|---|---|---|
| Contents cover We’ll repair or replace all your contents. |
£50,000 | Unlimited |
| Total valuables in your home Cover for your jewellery, watches, items of gold, silver or other precious metals, stamp, coin or medal collections, pictures, other works or art. |
£15,000 | £30,000 |
| Loss of rent or alternative accommodation If damage to your contents makes your home unfit to live in. |
£25,000 | £50,000 |
| Tenants’ improvements We'll pay for the loss or damage to kitchens, fitted wardrobes, bathrooms, double glazing, conservatories, greenhouses, sheds, garages, wood flooring or laminate flooring which you have added as a tenant of the home. |
£25,000 | £25,000 |
| Tenants’ liability cover We’ll cover you if you’re legally liable for damage to your landlord’s property of the home. |
£10,000 | £10,000 |
| Family and student cover To cover the contents your family or dependants take with them if studying or staying in hospital, anywhere within the British Isles. |
Not available | £5,000 |
| Personal Liability If someone else gets injured or their belongings get damaged, and you’re held legally responsible. |
£5,000,000 | £5,000,000 |
| Household removals Cover for damage to your contents when you move, caused by a professional removal firm. |
£50,000 | Unlimited |
| Freezer food Cost of replacing food spoiled because the temperature of your freezer changed accidentally. |
£1,000 | £1,000 |
| Money in your home To replace money lost or damaged in your home. |
£1,000 | £1,000 |
| Lost or stolen house keys Replacing the locks on the external doors of your home, garage or outbuildings. |
£1,000 | £1,000 |
Accidental Damage Cover
Get cover for accidental damage to the contents inside your home for things like knocking your TV over or breaking the glass on your coffee table.
You’ll get cover up to the limits shown on your Policy Schedule.
- You’ll be covered up to the limits shown on your policy.
- Damage caused by normal use, ageing or lack of maintenance is not covered.
Personal Belongings
We cover your possessions anywhere in the world. You're covered against accidental loss or damage for things you might wear or carry with you when you leave the home, such as clothing, jewellery, mobile phones and laptops. You can add Personal Belongings Cover if you’ve selected Contents Cover.
- You can choose the level of cover you need; cover your possessions from £2,000 to £20,000. Items over £2,000 need to be individually specified.
- Personal belongings used or stored for business or professional purposes is not covered.
Bicycle Cover
We cover your bicycles anywhere in the world. You’re covered against theft, loss, or damage. You can add Bicycle Cover if you’ve selected Contents Cover.
- The individual bicycle limit is £1,000. Bicycles over this limit can be specified.
- Bicycles worth over £1,000 are only covered for theft if they were secured with a Sold Secure Gold or Diamond-rated lock. This applies even if the bike was locked to an immovable object.
Legal Services Cover
Get Legal Services Cover up to £100,000 for things like injury, an employment issue or boundary dispute.
Legal Cover is provided and administered by Arc Legal Assistance.
- we’ll pay up to £100,000 for Legal Cover claims.
- You’re not covered if you don’t have a realistic chance of winning the case.
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