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What is tenants insurance?
Tenants, or renters insurance (more commonly known as contents insurance) is there to prevent you having to pay out a lot of money to repair or replace your belongings. This could include furniture, appliances, and personal things such as jewellery if they are stolen or broken.
It’s worth keeping in mind the longer you live in your home, the more things you tend to own. As a result the cost to replace your things can increase.
Do renters need tenants contents insurance?
When renting, home contents insurance for tenants acts like a standard contents policy.
It doesn’t usually cover items that belong to the landlord, unless you’ve been made legally responsible for them in your tenancy agreement. In this case, these items, like furnishings or other items listed in your inventory, would be covered by your tenants insurance.
What does esure contents insurance offer renters?
While living as tenants, contents insurance from esure is designed to offer you:
- New for old contents cover – we'll replace all covered items as new
- Garden contents up to £2,000 – covering things like tools, garden furniture, plants and machinery
- Personal money – up to £750 of your total sum insured to cover lost or stolen cash
- Freezer and fridge contents – up to £1,000 to cover spoiled food if your fridge or freezer stops working
- Alternative accommodation – up to £10,000
- Tenants liability cover – up to £10,000
Restrictions may apply, check our policy booklet for more information.
If any of your possessions cost £1,500 or more to buy as new, or you have a pedal cycle that costs more than £500 as new, you would have to list these items separately. These are known as Specified Items.
