Tenants Contents Insurance

Cover your belongings on a flexible monthly rolling plan, with no hidden fees.

From
£3.12 pcm
<span>Tenants</span> Contents Insurance

What's covered in Renters Contents Insurance?

Fire and smoke
Fire and smoke
Damage or loss of contents caused by fire or smoke, up to £30,000.
Glass breakage
Glass breakage
Covers accidental breakage to fixed glass in furniture, mirrors or ceramic hobs, up to £1,000.
Escaping water
Escaping water
Damage caused to contents by escaping water or oil such as a leaking washing machine or oil-fired heating system, up to £2,000.
Theft & Vandalism
Theft & Vandalism
Damage or loss caused by theft or attempted theft, including from a garage or outbuilding, up to £2,500.
Alternative accommodation
Alternative accommodation
In the event that your home becomes uninhabitable, you’re covered for accommodation for you, your family and pets - up to £2,000.
Replacement lock and keys
Replacement lock and keys
Covers the cost of replacing locks on external doors following the theft of keys, up to £250.
Storms and floods
Storms and floods
Damage to contents kept indoors as a result of a storm or flood, up to £30,000.
Tenant liability
Tenant liability
Covers the costs and expenses you legally have to pay for causing accidental injury or damage to the property, up to £2 million
Excellent service. Respectful & attentive, we are very satisfied! Very valuable advice was given. Thanks!
Allen Panter
loader
Unlike any other company we have used in the past. Whole process from start to end was just a pleasure!
Jonny Etherington
loader
I have felt totally at ease using this platform. I would definitely say to friends and family to check you guys out. Well DONE!
Natalie Young
loader

Three easy steps

1

Tell us about yourself

Fill in a few details about your property and the people you would like covering on the policy.

2

Tweak your package

Tell us whether you would like any of the optional add-ons, such as accidental damage or high value items cover.

3

Relax, knowing you’re covered

You’ll receive your policy documents by email and can access them on your tenant dashboard at any time.

Tenants Contents Insurance

As a renter, making sure your valuables and possessions are safe in your new home is key. It’s so exciting moving into a new home and finding a new place for all your possessions.

This is a chance to make a house and home and put your stamp on it. Even if you are moving into a fully furnished house or flat – your pictures, your vases, your mugs, your TV, your laptop, your kayak, your pram, your slow cooker, your golf clubs… the list of what is actually yours is endless.

Tenants Contents Insurance

Monthly rolling plan

Our tenants’ insurance covers your belongings on a rolling month by month basis. So, as well as not being tied into an annual policy (because who knows when your plans might change and you need to move out of the property), it gives you complete peace of mind, from the day your policy begins, to the day you decide to cancel it, or you no longer need it.

Maybe you are renting while you wait for a house sale to complete, maybe you are new to an area, and you want to shop around the local housing market and know that being a renter means you can move more quickly.

Monthly rolling plan

What is renters’ contents insurance?

Tenants’ content insurance, or renters’ insurance, is an insurance policy that protects your own personal belongings from theft and unintentional damage within a rented property, so you don’t lose out in an unexpected situation. 

Damage can happen for all kinds of reasons – maybe there is a fire, maybe you drop your expensive new phone or maybe a water leak seeps down the wall and all over your TV. The thing is, who knows when something unintentional or accidental will happen?

What is renters’ contents insurance?

Who should have renters' content insurance?

Anyone renting a property from a landlord who wants to protect their own possessions from damage or loss should get tenants content insurance. 

Whilst your landlord may have a contents insurance policy in place, this only covers the items within your home that belong to them. 

So, if they have put a microwave in the kitchen for you to use – that is their item, and it will be covered under their policy. If you bring your own microwave, that is yours and for your own peace of mind, it’s worth taking out your own policy in case anything happens to your things.

Do I need renters insurance?

You’re not legally required to take out contents insurance when you rent a property, so it’s not mandatory. 

Nothing will happen to you or your rental agreement if you don’t. Perhaps your landlord will suggest it, or perhaps you’ve never heard of it and therefore it isn’t even on your radar of things to sort out.

Do I need renters insurance?

What does contents insurance for renters cover?

Fire and smoke damage

Riot, civil commotion and labour or political disturbances and strikes

Damage by malicious persons

Storm or flood

Subsidence, ground heave or landslip

What isn't covered by renters’ insurance?

Our tenants’ content insurance can protect you from additional costs in most situations, however there are a few exclusions that you should be aware of when it comes to your policy.

Wear and tear

Wear and tear

General wear and tear of items happens as they are used

Property more specifically insured by another policy

Property more specifically insured by another policy

Sometimes you have something truly exceptional or niche or extremely valuable that may wish to have specific cover for.

Undamaged contents

Undamaged contents

We will not pay for, or make a contribution towards any claim for undamaged items that are part of a set or a suite.

Loss of value

Loss of value

Any reduction in the market value of any property following its replacement or repair.

Portable heaters

Portable heaters

Damage caused by the use of portable heaters (excluding oil filled portable heating) at your home won’t be covered.

Cooking damage

Cooking damage

Damage caused by cooking in rooms which are not fitted and designed as kitchens or, in the case of bedsits, areas that are specifically designed as a cooking area.

Still have questions? We have answers.

If there’s anything you’re not quite 100% sure about, have a look through our FAQs. We’ve answered the most common questions tenants ask us about our contents insurance to help clear things up for you. 

Do landlords or renters need content insurance?

How much is renter’s content insurance?

How to buy tenants’ content insurance?

What is the difference between tenants’ liability insurance and contents insurance?

I’m a tenant and I’d like to know more about the Mashroom Platform?

How can I get in touch in case I have questions?

Terms and Conditions

It’s important you understand what is and isn’t covered by the Tenants’ Contents Insurance. The examples and descriptions above are only intended as a guide and you will be able to find the full details in the policy document and Insurance Product Information Document. 

We do not provide personal recommendations regarding the arrangement of insurance cover. By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to our Terms of Business.

Terms and Conditions
It’s important you understand what is and isn’t covered by the Tenants’ Contents Insurance. The examples and descriptions above are only intended as a guide and you will be able to find the full details in the policy document and Insurance Product Information Document. We do not provide personal recommendations regarding the arrangement of insurance cover. By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to our Terms of Business.