If you're living in rented accommodation and haven't thought about contents cover yet, you should definitely consider getting tenants insurance.
- Why do you need tenants insurance?
- Landlord vs Renters; who's responsible for what?
- What does tenants insurance include?
Your landlord is only responsible for the building itself and any fixtures in it, so as a general rule; anything that you would take with you if you moved out, you are responsible for covering. If the damage caused to your belongings isn’t your fault (we’re talking things like leaky pipes), it’s still your responsibility to insure your stuff and won’t come under your landlord’s insurance.
What's covered with LV= tenants insurance?
- Flexible contents cover
We know one size doesn't fit all. Not sure how much your stuff is worth? No worries, we can work that out for you
- Accidental damage
For TVs, games consoles and laptops
We’ll pay up to £10,000 for fixtures and fittings you have installed in your home or are made responsible for, e.g. light fittings or a new kitchen
- Locks and keys
Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash
What's not covered...
- Anything that is your Landlord’s responsibility
- Gradual wear and tear
- Breakdown of home appliances
So, make sure your prized possessions are protected and your stuff is secure with tenants insurance.
Want to know more? We’ve put together a handy guide on how flat insurance is different to home insurance and why you need which.