Contents Insurance FAQs

What does landlord contents insurance cover in a flat?

Landlord contents insurance for flats includes cover for the cost of repair or replacement of furniture and appliances that you provide in your rental flat in the event of a claim.

Do I need landlord contents insurance for flats?

Yes, as a landlord renting out a flat, the same rules apply, and you will need to invest in landlord contents insurance for flats. We also offer specialist landlord flat insurance to protect you in the event of fire, theft and damage to the property and its contents.

What is contents only landlord insurance?

Landlord contents insurance only covers the items on the property that aren’t part of the structure. You will need separate building insurance to cover the structural aspects of the property.

Are washing machines covered?

Yes, all household appliances should be covered by your landlords content insurance. Read your policy carefully to ensure you’re happy with the level of protection.

Is flooring covered under landlord contents insurance?

Flooring and tiling are not covered. You will need landlord buildings insurance for this protection. Carpets are covered under contents.

Will the contents of outbuildings be covered?

No landlord contents insurance only covers the contents of your property. No cover is offered for the landlord’s contents from outbuildings.

Why can't landlords use regular home contents insurance?

Regular home contents insurance won’t cover rental properties. There is a greater risk of damage to the contents of rental properties and this is factored into the policy. As a landlord, you must take out cover aimed at landlords for it to be valid.

What do I do if a tenant damages my contents?

If a tenant damages the contents of your property, you could file a claim against their security deposit. If the cost of the damage is more than the security deposit, you may need to claim on your landlord contents insurance.

What if I have a high-value item?

You may have a high-value item, such as an antique piece of furniture or state-of-the art appliance. You will need to disclose this information when finding contents insurance quotes to ensure coverage can be provided.

How do I work out the value of my contents?

You will need to make a list of all the contents of your rental property and their estimated value. Take the estimated value from receipts or from searching for similar items on the internet. This needs to be correct to ensure your landlord contents insurance quotes are accurate and your coverage is valid.

What is the difference between landlord contents insurance and tenant contents insurance?

Landlord contents insurance only covers the contents of the rental property supplied by the landlord, such as furniture and appliances. Whereas tenant contents insurance covers the contents of the tenant’s belongings like clothing, electronics, and jewellery.

Do I need contents insurance for my tenant's belongings?

Landlord contents insurance doesn’t cover the tenant’s belongings, and it is not the landlord’s responsibility to insure the tenant’s possessions. The tenant will need to take out personal contents insurance if they want to be protected.

Do I need landlord contents insurance for an unfurnished property?

Landlord contents insurance covers more than just the furnishings so it’s worth taking out protection for unfurnished properties. White goods and fixtures such as washing machines, curtains and carpets are covered too.

How long is a quote valid for?

30 days.

Do I need buildings insurance if I have landlord insurance?

The good news is many landlord insurance policies combine buildings and contents insurance. Check your current cover, as your building may already be protected. If you let a flat, the buildings insurance is usually arranged by the landlord that owns the freehold of the property.

What types of buildings can you insure?

Great news! You can insure any type of building, including houses, cottages and flats.

Is rising damp covered?

Rising damp is not covered under any insurance policy.

Are my personal belongings covered under buy-to-let insurance?

Unfortunately, your own personal belongings won't be covered on this policy and you will need to take out a household policy to cover your contents.

Do you offer contents only policies?

We do offer landlords contents only policies over the telephone. Just click "Get A Callback" above or call us on 01788 818 670.

What is free white goods cover?

If your policy includes free white goods cover then any freestanding washing machines, fridge-freezers, cookers, tumble dryers & dishwashers that you have left for your tenant to use, will be insured for all the standard perils that are listed under the buildings section of your policy.

Is it my responsibility to insure the contents?

Tenants should have their own contents insurance for items they keep in the property. However, if your property is furnished, it's your responsibility to have landlord contents insurance for the items you own, as well as any fixtures and fittings.

What type of landlord insurance do I need?

There are a few different landlord insurance options. Which one you choose will depend on the specific risks you feel that it’s most important to cover against. The most common product and the one that we sell here at CIA Insurance is buildings and/or contents insurance. It’s also the most complex and extensive.

What is covered by my landlord insurance?

Your landlord policy can be as basic or as extensive as you need it to be. Our landlord insurance can include buildings only, contents only or a combined policy if required. Buildings insurance covers the cost of repairing or rebuilding your property if it becomes damaged by fire, flooding or vandalism, and contents insurance covers household items left for the tenants use such as furniture and appliances in situations such as theft, fire and flood. This cover does not protect your tenant’s belongings or items you may have left in storage at the property that is not for the tenants use.

How to get cheaper landlord insurance

When you’re looking for your perfect landlord insurance, you’re going to want to get the best price. No landlord wants to be paying over the odds for their insurance – especially when you hope you’ll never have to actually claim on it. If you have multiple properties, then make sure you insure them all with one provider. You’ll probably be eligible for a discount. Plus, it makes everything much more streamlined and simple with a lot less paperwork.

What tenant types do you cover?

Our panel of Insurers will cover all tenants types upon request. Please ensure that your policy shows the correct tenant type as this invalid your policy.

Categories

What does landlord contents insurance cover in a flat?

Do I need landlord contents insurance for flats?

What is contents only landlord insurance?

Are washing machines covered?

Is flooring covered under landlord contents insurance?

Will the contents of outbuildings be covered?

Why can't landlords use regular home contents insurance?

What do I do if a tenant damages my contents?

What if I have a high-value item?

How do I work out the value of my contents?

What is the difference between landlord contents insurance and tenant contents insurance?

Do I need contents insurance for my tenant's belongings?

Do I need landlord contents insurance for an unfurnished property?

How long is a quote valid for?

Do I need buildings insurance if I have landlord insurance?

What types of buildings can you insure?

Is rising damp covered?

Are my personal belongings covered under buy-to-let insurance?

Do you offer contents only policies?

What is free white goods cover?

Is it my responsibility to insure the contents?

What type of landlord insurance do I need?

What is covered by my landlord insurance?

How to get cheaper landlord insurance

What tenant types do you cover?