I Live In A Rented House But I Don't Have Any Contents Insurance. Do I Need To Get Any Or Will The Landlord Cover Me?

Although in some cases a landlord will cover home content insurance, it is more likely that you will have to insure possessions owned by you, rather than furniture and other amenities, even in a rented house. Norwich Union UK provide 50 % no claims discount, cover for accidental damage to home entertainment equipment and monthly payment options. Similarly, the AA offer contents cover of up to £40,000 and a legal expense cover of up to £25,000. Swinton provide a detailed home contents insurance package that can offer specialized insurance deals for individual items. Several supermarket insurance companies, including Sainsbury's offers home content insurance at 5 % discount if purchased with building insurance and has the following benefits: up to 40% no claim discount, a new for old replacement on most goods and insurance for items temporarily removed from the house. Halifax Bank provides a 20 % online discount for new customers, and has also been rated as a five star service by independent market research company Defaqto. Their offers include unlimited coverage, cover for water leakage and free key recovery service.

It is unlikely that a landlord will have contents insurance for your personal possessions. Such insurance is a personal responmsibility. The landlord is most likely only insured for the house itself.