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From TVs to dining chairs, many landlords choose to furnish their rental property. There’s always a risk that something will get damaged or stolen, so landlord contents insurance is a popular cover for UK rental property owners. You can buy it as part of a complete landlord insurance policy, adding in other protection for the building itself if you need to.
Landlord content insurance is designed to cover repair and replacement costs for your free-standing items – not ‘fixed’ into the property – if they get damaged, lost or stolen. This can include things like standalone kitchen appliances, furniture and decorative items like paintings or mirrors.
Keep in mind, all insurers treat this cover differently, and some will consider certain property to be your fixtures and fittings, rather than your contents – for example, your carpets. Check your policy wording carefully before you buy.
Accidental damage or loss
Fire
Flood
Malicious damage
You might claim for this if someone intentionally damages your contents
Storm
Subsidence, ground heave, or landslip
Theft
Escape of water or oil
You might claim for this if a leak causes damage to your contents.
Any damage caused to your landlord contents that’s considered accidental, or loss contents which aren’t fitted into the property, like sofas, tables, and lamps
When would I need to make a claim?
What isn’t covered?
You’ll usually need to select ‘accidental damage cover’ when buying your landlord insurance policy, for your contents to get this protection. Some insurers cover it as standard, but check your policy wording carefully before you buy.
damage to your landlord contents caused by a fire contents which aren’t fitted into the property, like sofas, tables, and lamps
When would I need to make a claim?
What isn’t covered?
When would I need to make a claim?
What isn’t covered?
You might claim for this if someone intentionally damages your contents
We provide cover from £2,500 to £10,000 for each malicious damage claim, depending on which insurer you choose.
For example:
What isn’t covered?
Always check your policy wording carefully before you buy, to make sure you have the right cover for your property.
For example:
What isn’t covered?
When would I need to make a claim?
What isn’t covered?
When would I need to make a claim?
What isn’t covered?
You might claim for this if a leak causes damage to your contents.
This insurance can pay for repair and replacement costs, if a large amount of water leaks inside your property (not caused by an outside flood), or oil leaks from a heating system and damages your contents.
For example:
What isn’t covered?
This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions
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*How we work out example prices 10% of our customers paid up to £114.35 a year for a landlord buildings cover only policy between 1st April 2023 - 30th June 2023. Equivalent to £9.53 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£24.27 /month
£215.72 /year
Landlord renting a detached house to a young couple
Landlord buildings
£200,001 to £250,000
Landlords' contents
£7,501 to £10,000
Accidental Damage
Include
Property owners' liability
£2,000,000
£48.22 /month
£428.63 /year
Renting a whole house to a large family
Landlord buildings
£250,001 to £300,000
Landlords' contents
£20,001 to £25,000
Property owners' liability
£5000000
How we work out example quotes These examples are real quotes from our online system (created 20/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Having contents insurance for a rental property through Simply Business has saved landlords thousands of pounds when the unexpected happened.
Stuart (not his real name) received a call from his tenant over the Christmas holiday, reporting severe storm and flood damage to his property’s ground floor. Kitchen contents, soft furnishings, decorative items, and other unfixed items were damaged, but the landlord contents insurance added to his policy covered Stuart’s replacement and repair costs.
£10,264.30
Covering the cost of storm and flood
£100
The excess amount stated in Stuart’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 315,000 landlord customers now trusting us to provide their insurance.
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Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions about landlord contents insurance. You can also check out our landlord insurance FAQs.
If you’ve provided furniture and other contents for your tenants – maybe even a TV or art for the walls – your property is known as ‘furnished’, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your landlord insurance quote(s).
Buildings insurance covers the physical structure of the property including the walls, roof, and floors. Items inside the property, like furniture and freestanding appliances, are usually protected by specific ‘contents insurance’.
There’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.
Popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.
This will depend on your specific circumstances, the type of property you’re renting out, your tenants and various other factors. Right now, our landlord policy prices start from £16.34 per month.
To work this out, we take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 1 January - 31 August 2021). Most customers pay more than this but some pay less.
This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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