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RENTERS INSURANCE

Protect your possessions in a rented property

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Compare cheap renters insurance quotes from multiple providers

As the only price comparison site offering a choice of renters insurance policies specifically designed for tenants, we'll show you quotes from a panel of three specialist providers – but watch this space, we will be adding more providers to our panel. We only work with providers we trust and by comparing you can save money and find cover that works for you

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What is renters insurance?

Renters insurance – sometimes known as tenants insurance, or simply contents insurance – is cover made for tenants rather than people who own their homes. It will protect you against the cost of repairing or replacing your belongings if they’re stolen or damaged by a flood or storm. You might also have heard it called tenants insurance or simply just contents insurance – the key thing to remember is that this policy covers your belongings, and not the structure of the property itself. Insurance that covers the structure of a building is known as buildings, or landlords, insurance and is not necessary for those who rent their homes.

Do I need renters insurance?

If you rent your property, tenants insurance is not a legal requirement, but it will give you peace of mind that if your items are stolen or damaged then you would be financially protected. But if you choose to take it out, you'll be financially protected if your belongings are stolen or damaged and it will give you peace of mind while you're renting. Floods, fires and burglaries do happen, and your premiums will seem like a minor expense compared to the cost of replacing valuable belongings like jewellery, TVs or computers. It can cost as little as £5 a month.

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What does renters insurance cover?

A renters insurance policy will usually cover the cost of repairs or replacements for most of the items below, depending on the type of policy you take out. However, some events and things are excluded so you will not be able to claim if they happen.

  • Tick

    Covered

    • Kitchen appliances
      Kitchen appliances such as microwaves and toasters are covered, however policies will not cover appliances that belong to your landlord or a roommate

    • Items of furniture
      As long as you are the owner of the furniture, you can claim on your insurance for certain damage that means your furniture needs to be repaired or replaced

    • Clothes and jewellery
      Expensive clothes and jewellery will be covered by your policy while they are stored at home, but only up to certain limits unless you insure them individually. So if you have any items worth more than £1,000 or so, check what the individual limits are on your policy, then you should look into individual cover for valuable items.

    • TVs, stereos, and games consoles
      You can claim for damaged or lost electronics up to a limit, again around £1,000,if they are accidentally damaged or stolen from your home

    • Bicycles
      Renters insurance can cover bicycles and accessories. However, some insurance companies may only cover them while they're actually on your property. That means it could be worth looking into separate insurance for your bike to protect against it being stolen from your work or outside a venue

    • Collectibles
      Renters insurance can cover valuable collections such as antiques, ornaments, and works of art but you should check with your insurance company that you have the cover you need

    • Musical instruments
      You can usually claim for guitars, keyboards, and other instruments - both traditional and electric, if they are stolen or damaged

    • Gadgets
      Cover for electronic gadgets includes mobile phones, tablets, and computers. However, the insurance will not apply if these items belong to a home business

  • Cross

    Not covered

    • Wear and tear or faulty goods
      Damage that occurs from regular use or from a malfunctioning or faulty item will not be covered by renters insurance

    • Items stolen from your garden
      Renters insurance does not usually cover items that are stolen or damaged if they are3 stored outside the property or in the garden

    • Misplaced or lost items
      Renters insurance won't cover items that have been lost without incident, such as being misplaced or stored irresponsibly

    • Damage caused by pets
      Policies won't cover biting, scratching, chewing, or fouling by pets. However, some accidents caused by your pet may be covered by accidental damage cover

    • Items used for business purposes
      If you use any items at home for your work, such as computers, they won't be covered by a domestic renters insurance policy. You would need to take out a dedicated business insurance policy to protect them

    • Unforced entry
      If there are no signs of forced entry during a burglary, stolen items may not be covered by your policy

    • Items that exceed value limits
      Single-item limits will apply, so you may need to declare anything valued at over £1,000 for it to be properly covered

    • Damage or loss when you're away
      Items that get damaged or are lost when you take them out of the home will not be covered not will items in your home if you have left it unoccupied for more than 30 days

Our flexible policies also come with optional additional cover

You can tailor your cover when you purchase through MoneySuperMarket, with several options for add-on cover to expand your policy and match your needs.

How can I get cheaper rental insurance?

While the cost of your premium will largely be determined by things that you can’t control, such as your address, there are a few things you can do to bring down the cost of your policy. Installing a more secure lock on your home or a burglar alarm could make a difference as they will act as a deterrent to burglars. You can also opt for a higher excess – the amount you volunteer to pay towards any claim – which should reduce your premium.

Why compare tenants insurance with MoneySuperMarket

MoneySuperMarket is the only price comparison website that offers renters insurance policies designed specifically with tenants in mind. You'll be able to find a deal that suits your needs, and you can add optional extras like out-of-home and accidental damage cover if you need them.

  • Cover whole household

    Renters insurance can cover you and your housemates

  • Get a quote in two minutes

    We've tailored our questions specifically for renters, to make getting a quote quick and easy

  • Cover for the length of your tenancy

    Flexible policies lasting from one month to one year, from as little as £5 a month

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

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Simon Read

Our expert says

"

Renters will naturally feel that standard contents insurance policies aren’t right for them, so it’s important to find cover specifically for people who are renting their property. Renters need to ensure that the items they value are covered whether they’re at home or out and about. Knowing that renters can move home more regularly, there are policies that include options for paying per month and cancelling at any time, as well as no admin fees for changing your address or adding extra items to your policy.

"
- Simon Read, Car & Van Insurance Expert

The main difference between buying home insurance as a homeowner and as a renter is the type of cover you'll need to take out. If you own your home you'll almost certainly want to insure the building itself as well as what's inside, but if you're renting then covering the building isn't your responsibility.

Your landlord should have their own insurance policy, which will cover any damage to the building which results from a floodfire or explosion, or a burglary. If they've provided any of their own furniture for the property, it will come under their contents insurance policy – you'll only need to think about your own belongings.

This is where renters insurance can be so useful. With MoneySuperMarket all you need to do is tell us which personal property you want to insure and for how long – remember to specify anything worth over £1,000 – and we'll show you your prices.

To calculate the amount of cover you'll need with your renters policy try to work out the cost of replacing your belongings if they were destroyed or stolen. Be as accurate as you can – especially with more expensive items – to ensure you're quoted for the level of cover you need.

If you have any of belongings that are worth more than £1,000 they will need to be declared separately, but you will still be covered if you want to insure jewellery, designer clothes or expensive musical instruments. However your premiums are likely to be more expensive as a result.

If you work from home, your renters insurance policy may extend to your work laptop or phone, however any more expensive equipment might require a separate business insurance policy.

Most insurers will cover you for a set period of time if you go away on holiday, for up to around 30 days in most cases,=. But any longer and you might have to take out an extra policy for unoccupied home insurance. Remember to tell your insurer if you're going away for more than the limit defined in your policy, as if you don't you may not be able to claim.

Your renters insurance policy will cover your belongings whether you live in a flat or a house – just be sure to tell the insurer beforehand, as it might affect your ability to make a claim if you don't.

Premiums might be higher if you live in student accommodation, but some providers do offer specialist policies for students.

Yes. There are certain types of rental insurance policies that offer special cover for people in shared house. These kinds of contents insurance policies will cover your personal belongings but may have special cover limits to match your circumstances. For example, they may require that your items be stored in your own bedroom and may not cover items that you share with your housemates.

Your landlord should at least having a buildings insurance policy in place to cover the structure of the property if it becomes damaged. However if they've provided furniture for the property, they'll also need a contents insurance policy to cover it.

Your landlord's insurance policy may include accidental damage contents cover if your rented accommodation is furnished by the landlord. This means they'll be able to claim if you unintentionally damage anything they have provided for the property. If they don't have this policy then they'll probably recoup the cost from your security deposit.

Your landlord might also have an alternative accommodation policy, which means if the property becomes inhabitable, their insurer will pay out for the cost of finding you a new place to live until you make new arrangements or can move back in.

Tenant's liability will cover you if you are found to be responsible for any damages to your landlord's property. It can cover the cost of repairing or replacing any items as well as any legal fees. However, this will only cover you if the damage was accidental. Intentional damage or damage due to negligence/ irresponsible activity will not be covered.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.

Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.

We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.

You can find out more about how we work here.