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 not covered?
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.