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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
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 business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Landlord Contents cover you for?
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.
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