Contents insurance for renters

Tenants and renters insurance for the place you love most

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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?

What is renters insurance?

If you haven’t thought about tenants insurance for your rented accommodation yet, you may not be alone; many renters don't have contents cover, which can lead to disaster should the worst happen.

Your landlord is only responsible for the building itself and any fixtures in it, so as a general rule; anything you'd 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.

Renting for the first time? Here's what you need to know.

What's covered with LV= renters insurance?

Flexible contents cover
Because we know one size doesn't fit all. Not sure how much stuff in your house is worth? No worries, we can help you work out how much contents cover you need.
Accidental damage
With our Home and Home Plus policies, we cover your mirrors, glass or ceramic tops that form part of the furniture in your home and home entertainment equipment. You'll just need to pay your excess.
Liability
We’ll pay up to £5,000 on Essentials, £10,000 on Home or £15,000 on Home Plus 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.

Renters insurance optional extras

Legal expenses cover

Legal expenses cover for £30 or less

"It’s not my fault – but now I’m out of pocket”

Most people don’t understand the benefits of legal expenses cover until it’s too late and the solicitor’s fees are mounting up. With this additional level of cover, it's good to know you've got up to £100,000 in legal fees expenses to help you:

Claim compensation if you're injured and it's not your fault e.g. you trip over a loose paving slab or are knocked off your bike
Protect your legal rights as a home owner, for example a dispute over a boundary or right of way
With unfair dismissal or other employment contract disputes such as discrimination
With a dispute relating to goods or services you've bought such as faulty workmanship by a builder
Any claim must have more than a 50% chance of the case being successful

Home emergency cover

Enhanced accidental damage cover

LV= home insurance offers some cover but our enhanced accidental damage cover gives you peace of mind that we can help put more things right. Here are some examples of what you're covered for:

DIY accidents, such as putting your foot through your loft floor, or driving a nail through a pipe.
Damage caused by children – such as knocking valuable objects over, scribbling on walls, spilling drinks, as well as damage caused by kicking and throwing balls around indoors.
Spillages or stains that damage carpets, furniture and curtains.

This enhanced cover is included as standard with our Home Plus policy.

Personal belongings cover away from home

Cycle cover away from home

Whether it is for you or your family, with this optional cover, your bicycle or folding bike and your cycling gear is insured:

Against accidental loss, damage or even theft while you’re away from home (providing your bike is locked to an immovable object - or within a locked building - when taken away from home).
Against loss or damage whilst cycling in the UK and Europe.
For up to 60 days worldwide cover.
Your bike value must include accessories.

There is a limit of £1,000 per bike. Any bike worth more than this must be specified on the policy.

Icon of a sofa, a pair of keys and a document.

So, make sure your prized possessions are protected and your stuff is secure with renters insurance.

Are you interested in other home insurance products?

LV= offers different types of home insurance. Here you can see where to find out more...

Home insurance - Choose from our three levels of home insurance... Essentials, Home or Home Plus.
Buildings insurance - Flexible limits of cover are available to help rebuild your home.
Landlord insurance - Accidental damage, vandalism and theft by your tenants covered as standard.

Renters insurance FAQs

Does my insurance cover me as a tenant if I break something that belongs to my landlord?

What is tenants insurance?

I live in rented accommodation, what contents cover do I need?

Are the contents in my garage/shed covered?

How do I make a claim on my home insurance?

Before you decide to claim on your home insurance, you might have some questions...

How to make a claim

Read our guide to what you can and can’t claim for

How the claims process works

Your guide to water leak claims

Before you claim:

Have your policy number and any documents to hand
Give us as much information about the incident as you can
Report theft to the police first and ask them for a crime reference number (you'll need this when you call us to claim)

To make a claim:

We have different ways to get in touch based on what’s wrong, so choose from the following…

Make a home claim

If it’s not urgent our online claims form is the quickest way to submit your claim. We’ll usually get back to you within two working days but if there’s been severe weather and we’re particularly busy, it might take us a little longer. If your claim is urgent, please give us a call instead.

0330 678 5000

From abroad: +44 1202 296762

Telephone lines open:
Mon to Fri 8am - 6pm
Sat 8am - 4pm
Calls may be recorded. For Text Phone, first dial 18001.

Home Emergency

If it’s an emergency (for example a broken boiler, plumbing issues or loss of electrical power) and you have Home Emergency cover included in your home insurance, you can use our Home Emergency form or call our 24-hour helpline below.

If you don’t have this cover but need emergency assistance, you can call our 24-hour helpline and we’ll put you in touch with qualified tradespeople as quickly as possible.

24hr helpline telephone icon 0330 679 5246

24 hours a day, 365 days a year
Calls may be recorded. For Text Phone, first dial 18001.

Awards & RECOGNITION

Home insurance you can trust

Given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance
LV= Home insurance rated 4.6 out of 5 based on 440 customer reviews independently verified by Feefo
Correct as of 26 May 2026.

More about LV= renters insurance

What's not covered?

Policy documents

Our policy documents

You can get these and other documents from us in braille, large print or audio by sending us an email.

All set? Great. Let's start your tenants insurance quote...

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