{"id":1617,"date":"2022-04-26T08:14:55","date_gmt":"2022-04-26T08:14:55","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/do-landlords-need-contents-insurance\/"},"modified":"2024-06-28T13:26:51","modified_gmt":"2024-06-28T13:26:51","slug":"do-landlords-need-contents-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/do-landlords-need-contents-insurance\/","title":{"rendered":"Do landlords need contents insurance?"},"content":{"rendered":"\n
\n

Do landlords need contents insurance?<\/h1>\n\n\n\n
\n
Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

Landlords generally need contents insurance if they provide furniture or other items to their tenants and want to insure them from damage or theft. This means that landlords who rent furnished or part-furnished properties often decide they need contents insurance.<\/p>\n\n\n\n

You may have heard the rough rule of thumb that if you turned your property upside down, the things that fell out would be counted as \u2018contents\u2019 for insurance purposes.<\/p>\n\n\n\n

This means that if you rent out a furnished property and you provide your tenants with things like a sofa, dining table and beds, you\u2019ll probably decide that you need landlord contents insurance<\/a> to cover these items if they\u2019re stolen, damaged or destroyed.<\/p>\n\n\n\n

However, you may also decide you need it if you rent your property part-furnished or if you\u2019ve just provided basic furnishings, as things like curtains and freestanding kitchen appliances are usually included under contents cover. You may also find that carpets aren\u2019t included under your landlord buildings insurance<\/a>, so you need landlord contents insurance to cover them.<\/p>\n\n\n\n

Remember that you can only cover the things in the property that belong to you: if your tenants want to cover their furniture and possessions, they will need to take out their own insurance policy.<\/p>\n\n\n\n

If you\u2019re a landlord unsure whether you need contents insurance because you\u2019re not clear on how it differs from buildings insurance, check out our page explaining the difference between buildings and contents insurance<\/a>.<\/p>\n\n\n\n

\n

Ready to set up your landlord cover?<\/h4>\n\n\n\n

Over 100,000 UK landlord policies, a 9\/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy?<\/p>\n\n\n\n

\n
Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n

A free monthly newsletter with the latest news and tools for small businesses and landlords.<\/p>\n\n\n\n

\n
Subscribe to our newsletter<\/a><\/div>\n<\/div>\n\n\n\n