Contents insurance for renters

In line with HM Government advice, it is strongly recommended that tenants have insurance cover in place when renting a property.

As a tenant you are liable as part of your tenancy agreement for accidental damage to the home and landlord’s fixtures as well as your own possessions.

Alexander and Co is an introducer appointed representative of Bode Insurance Solutions who will be able to provide a tenant insurance quote online.

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Alexander & Co Limited is an introducer appointed representative of Bode Insurance Solutions (company no 03101637). Registered Address: Crowthorne House, Nine Mile Ride, Wokingham, Berkshire, RG40 3GZ.

Bode Insurance Solutions Limited are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference 313541. You may check this on the Financial Services Register by visiting the FCA’s website https://register.fca.org.uk/s/ or by contacting the FCA on 0800 111 6768.

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What does tenant insurance cover?

  • Contents cover - Protection for your personal belongings, furniture, and electronics
  • Accidental damage - Cover for accidents that damage your belongings or the landlord's property
  • Personal liability - protection if someone is injured in your home or their property is damaged
  • Alternative accommodation - Should your rental become uninhabitable after an insured event
  • Tenant's improvements - Cover for any improvements you've made to the property with permission

Tenant Insurance FAQs

While not legally required, many landlords strongly recommend or even require it in their tenancy agreements. Regardless of requirements, tenant insurance is a wise investment to protect your belongings and provide liability coverage during your tenancy.

Premiums typically start from just a few pounds per month, depending on factors like your location, the value of your belongings, and the level of coverage you choose. Our sister company Bode Insurance Solutions offer competitive rates with flexible payment options.

No, tenant insurance only covers the policyholder's personal belongings. Each flatmate should have their own policy to ensure their possessions are protected. Some insurers offer joint policies for couples sharing accommodation.

Most standard policies have per-item value limits. Valuable items like jewellery, electronics, or musical instruments over a certain value may need to be listed separately on your policy. Your advisor can help ensure your high-value items are properly covered.

If you need to make a claim, simply contact Bode directly using the details provided in your policy documentation. They'll guide you through the process, which typically involves providing evidence of ownership and details of the loss or damage.

Do you have a question for our experts?

We are able to give you expert advice on a case by case basis. Complete the form and a local expert will be in touch.

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