11 Things You Need to Know About Flow Renters

4 minutes

All of our content is approved by our in-house advisory board of experts

Whatever your priorities – whether you’re saving for a deposit, a round the world ticket or another round of avocado toast – when you’re renting, keeping your belongings covered matters. Meet Flow Renters: it’s contents insurance, simplified. Here’s why it might be right for you.

  • Flow Renters gives you quick and easy subscription contents cover
  • Keeps you covered at home and out and about
  • Add up to 10 prized possessions 

1. It keeps your belongings covered at home…

Your home may be your castle, but it’s what’s inside that counts. Flow Renters is specifically designed for people who want fast, flexible contents insurance without the fuss. Flow monthly contents insurance covers your belongings like TVs, laptops and phones, your clothes and personal belongings like books, jewellery, artwork, musical instruments and bikes. Not sure how much your stuff is worth? Use our contents calculator to tally up the value so you can choose the right amount of cover for you.  

2. …and when you’re out and about 

What if your laptop or bike is stolen while you’re out, or you drop your phone when you’re on the go? We’ve got your back. With Flow Renters, you can add up to 10 items to cover you when you're out and about. Don’t forget, they’re not automatically covered – you’ll need to specify the item you want to cover, then you’re good to go. You can add or remove specified items in your account. Easy! 

3. You don’t need to know what kind of locks you have 

We know the standard set of questions you’re asked to get a contents quote can be baffling. This is because for a traditional home or contents insurance policy, the materials your property is made from and the way it was built can impact the cost of your premium. 

If you’re renting, having to know the make and model of the door locks or the material the roof is made from can take time and energy. With Flow Renters, we’re keeping it fast and hassle-free. We’ll only ask you a few simple questions to get a quote, so you can get covered in minutes. 

4. …or worry about anything else your landlord will cover 

Not sure about the building itself? Your landlord is responsible for insuring the building, and is also required to carry out maintenance and repairs, including things like the boiler breaking down.

LV= offers landlord insurance, which covers things like:  

  • Damage to the building by flood, storm or fire
  • Water or oil leaks
  • White goods, like the fridge, boiler, dishwasher and washing machine 

Think of it this way: if you were to tip your house upside down, anything that hits the ceiling is contents – your furniture, jewellery, electronics, furnishings and everything in between. This is what Flow Renters covers. Everything else –the walls, floors, roofing, fitted units, etc –would come under buildings cover. 

5. You’re covered for the bad stuff 

Like fire, theft, vandalism, storms, floods, water leaks and more. If these perils (as they’re known in insurance speak) damage your contents, Flow Renters will cover you. Cover is available from £5,000 up to £50,000 so you can choose the right amount of cover for you.  Single items in the home are covered up to £2,000 but if you need more cover for a specific item, just let us know. 

Your home may be your castle, but it’s what’s inside that counts. Flow Renters is specifically designed for people who want fast, flexible contents insurance without the fuss.

6. You can add your prized possessions 

Invested in a bike? Got a new laptop, or a pricey painting? Flow Renters lets you cover up to 10 specified items, such as mobile phones, laptops, tablets, or jewellery, worth up to £5,000. The total amount Flow Renters can cover is £20,000. So, for example, you can specify four items worth £5000 each or 10 items worth £2000 each. 

7. And make changes whenever you like 

Want to add your new bike to your cover or remove your laptop? It couldn’t be easier. Just login to your Flow account 24/7 to make changes. 

8. No fees, no interest, no stress  

And if you do make a change? Wave goodbye to fees and charges. Whether you’re amending your details or need to cancel your Flow Renters subscription, there are no admin or cancellation fees to worry about. Plus, we won't charge you monthly interest. Happy days. 

9. Need to make a claim? It’s simple (and digital) 

Something stolen, broken or damaged? Don’t worry. If you do need to make a claim, simply log your claim in your account and we'll put you in touch with your very own claims handler. With Flow renters, you manage your account online, so there's no need to call us. 

10. Boost your coverage at the click of a button 

We get it, accidents happen. Accidental damage cover gives you extra peace of mind. Whether your pet has scratched your sofa or you've spilt a drink over your laptop, we've got you covered. 

11. Your car can go with the Flow too 

Want flexible monthly insurance for your car as well? Check out Flow monthly subscription car insurance.  

Got questions about Flow Renters? Explore our handy FAQs or browse our Flow articles.

Ready to get a quote? Check out our tips on what you’ll need and how to calculate how much your contents is worth. We’ll need a few personal details, to help us give you the best price, then, at the tap of a button, your contents will be covered! 

All content is approved by our in-house advisory board of experts.

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