Landlord
Contents
Insurance
What is Landlord Contents Insurance?
Landlord Contents Insurance protects the furnishings, appliances, and other contents you provide in your rental property. If you let a furnished or partly furnished property, this cover ensures you’re protected against risks such as accidental damage, theft, fire, or flooding.
For buy-to-let landlords, HMO landlords, and property investors, Landlord Contents Insurance provides essential financial protection for the items within your rental property.
Who Needs Landlord Contents Insurance?
If you let out a furnished or partly furnished property, having contents insurance is crucial to cover the cost of repairing or replacing damaged or stolen items. This includes:
- Buy-to-Let Landlords – Protection for furnishings in single or multiple rental properties.
- HMO Landlords – Cover for shared living spaces with multiple tenants.
- Holiday Let Landlords – Protection for short-term rentals, including Airbnb properties.
- Accidental Landlords – Cover for homeowners who rent out their furnished property.
Why is Landlord Contents Insurance Important?
Standard home contents insurance won’t cover rental properties. Without landlord-specific cover, you could face financial losses if your furnishings or appliances are damaged or stolen.
Common risks that Landlord Contents Insurance protects against include:
- Accidental Damage – Covers unintentional damage caused by tenants.
- Theft – Protection if your furnishings or appliances are stolen.
- Fire and Flooding – Covers damage caused by fire, burst pipes, or severe weather.
- Vandalism – Protection against malicious damage by tenants or intruders.
What’s Covered in Landlord Contents Insurance?
Typical policies include cover for:
- Furniture – Protection for sofas, beds, tables, and chairs.
- Appliances – Cover for white goods, including washing machines, fridges, and ovens.
- Soft Furnishings – Protection for carpets, curtains, and blinds.
- Fixtures and Fittings – Cover for items like light fittings and built-in wardrobes.
What’s Not Covered?
- Wear and tear over time.
- Tenant non-payment of rent.
- Personal belongings of tenants (they need their own contents insurance).
- Structural damage to the building (this is covered under Landlord Buildings Insurance).
Additional Cover You May Need
Depending on your rental property, you may need additional cover such as:
- Rent Guarantee Insurance – Covers unpaid rent if tenants default.
- Landlord Legal Expenses – Protection for legal costs in disputes with tenants.
- Home Emergency Cover – 24/7 assistance for boiler breakdowns, plumbing issues, and more.
- Landlord Buildings Insurance – Protects the structure of your rental property.
Get the right cover for your rental property
At Insurably, we have access to 100's of insurer markets, ensuring that no matter how unique your rental property is, we can find the right cover for you.
Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring your investment is fully protected.
- Small local office, no call centres.
- Experienced, knowledgeable staff.
- We keep it simple—no jargon, just clear and honest advice.
What does Landlord Contents Insurance cover?
What's Covered?
What's Not Covered?
With so many insurance options available, it can be hard to know what cover you actually need. Insurably® takes the time to understand your specific situation, providing clear advice and tailored policies—so you only pay for the protection that matters to you.
25+
years of experience in landlord insurance
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insurer markets accessed
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confidence in property protection
Frequently Asked Questions
- Furniture and soft furnishings – Sofas, beds, tables, carpets, and curtains.
- Appliances and white goods – Washing machines, fridges, ovens, and dishwashers.
- Accidental damage – Unintentional damage caused by tenants.
- Theft and vandalism – Protection against break-ins and malicious damage.
- Fire and water damage – Covers items damaged by fire, leaks, or flooding.
- Wear and tear from everyday use.
- Tenant’s personal belongings (they need their own insurance).
- Malicious damage by tenants (unless covered as an optional add-on).
- Appliances breaking down due to age or mechanical failure.
- The value of the contents you’re insuring.
- The location and security of the property.
- The level of cover you choose, including any optional extras.
- Whether your property is furnished or partly furnished.