Furniture
Landlord contents insurance can protect any furniture on the property that belongs to you and not the tenant and cover the cost of repairs or replacements
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What is landlord contents insurance?
Landlord contents insurance is a type of landlord insurance that pays out for the cost of repairing or replacing items belonging to a landlord that are stored in a property occupied by tenants. It offers protection for things like furniture, appliances, and furnishings.
If any of your belongings that are stored on the insured property are damaged, destroyed, or stolen, landlord contents insurance will pay out to cover some or all of the costs of replacements and repairs.
For additional landlord protection such as loss of rent, alternative accommodation, or subsidence, you'll need additional cover, such as landlords buildings insurance.
Do landlords need landlord contents insurance?
As a landlord, you’ll be legally required to take out home buildings insurance. Contents insurance on the other hand isn’t a legal obligation but it can still offer valuable protection for landlords.
If you are providing items like furniture, electronics, and white goods for your tenants, you risk needing to replace these items if they're stolen or damaged, which can be expensive.
With contents insurance, you are protected from the cost of replacing these expensive items unexpectedly for such issues as escape of water, fire, or theft.
Some insurance providers also offer liability insurance to the property owner, in case any items within the property cause damage to tenants. Emergency cover add-ons can also provide extra protection against any unforeseen incidents relating to contents within the property e.g. an appliance breaks.
There are also a range of additional cover options that can be added to your policy to increase your protection. With accidental damage cover, for example, you can also protect your belongings from accidents like tenants spilling coffee on the carpet or knocking over the television.
What's covered by landlord contents insurance?
Landlord contents insurance will cover contents that belong to you that are stored on the property. Typical belongings you may have stored on the property that a contents insurance policy protects include:
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White goods & appliances
Contents insurance cannot cover any fixtures or fittings you install but it can cover any loose white goods, like washing machines and dishwashers
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Outbuilding contents
Not all providers will cover outbuildings, but those that do will cover important items you store in outbuildings, such as gardening equipment or BBQ equipment
What isn't covered by landlord contents insurance?
Some items may not be covered by a standard landlord contents insurance policy, meaning they’ll require an extra level of coverage for you to be able to claim. These can include:
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Unoccupied properties
Insurance providers will have special requirements to insure your property while it's unoccupied. Providers are also unlikely to cover you if the property is unoccupied for long periods
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Valuables
Contents insurance policies have a limit on how much you can claim for a single item. If you have high-value items that exceed this per-item limit, you may need to get specialist cover
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Wear and tear
Contents insurance policies are designed to protect your belongings that are accidentally damaged or stolen. They won't cover items that are damaged from wear and tear
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Illegal activity
Contents insurance won't cover any damage or loss to your belongings if the property was used for or involved in illegal activity, even if the insurable loss/damage is unrelated
Our expert says…
As a landlord, you will need to have buildings insurance in place while contents cover is optional. But it is definitely something most landlords should strongly consider – particularly if you let out any properties furnished. A good insurance policy would cover you if your items are lost, stolen, or damaged, and you should also be able to get cover for accidental damage as an optional add-on.
David McDermottroe Insurance & Personal Finance Expert
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How much does landlord contents insurance cost?
The premiums you’ll pay for landlord contents insurance will depend on a number of factors:
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Your contents
The value of the contents you want to insure will affect the cost of insurance and items over a certain value may need to be insured separately
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Your security
Installing solid security measures is not only likely to keep your property safer, but it can also lower your contents insurance premiums as a result
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Your location
If your property is in a high-risk area for crime or flooding, it may raise your premiums as you’ll be more likely to make a claim
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Your policy
Adding more cover that may not be standard with your insurance quote, such as accidental damage or new-for-old cover, is likely to cost more
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Your excess
Raising your voluntary excess can indicate to insurers that you’ll only be likely to claim if it’s really worth it, so they may be more willing to lower your premiums
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Your claims history
If you’ve made a number of claims previously, insurers might see you as someone more likely to make another claim in the future
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What do I need to get a quote?
Before you start shopping for your policy there is some information that's useful to have at hand to speed up the process. These details are needed to accurately answer our question set and help you find accurate prices for your contents insurance policy. The essential details you will need include:
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Tenant information
If you property will be occupied when your insurance starts, you will need to give information about your tenants. This includes the number of tenants, their employment status, the type of tenancy agreement and checks you performed
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Property security details
Insurers will want to know how secure the property is, so you will need to provide information about the types of locks on the windows and doors and disclose whether you plan to leave it unoccupied for more than 45 days
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The value of your contents
You will need to know the total value of your contents to decide how much cover you will need to replace or repair them. However, you should consider that most policies have a single-item limit, which is usually around £1000
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Property information
You'll need to have information about your property at hand, including the date it was built, building materials, the value of any building works taking place, and its listing category if it's listed
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Personal details
As well as your name and contact details, insurers will need to know if you've been convicted of a criminal offence, ever declared bankruptcy, or had any insurance cover cancelled or restricted by an insurer
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Cover choices
There are a number of choices you'll need to make before you begin comparing quotes, including which optional cover types you'd like to add to your policy, such as rent guarantee cover and accidental damage cover
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Landlord contents insurance guides and tips
Keep up to date and find out all you need to know with our latest guides.
Do I still need landlord contents insurance for an unfurnished property?
Yes, you can still benefit from landlord's contents insurance policy even if your property is unfurnished. Landlords contents cover can offer protection for other items you may have in the property, including:
Washing machines
Dishwashers
Curtains
Carpets.
Do I need contents insurance for my tenants belongings?
Your landlord contents insurance policy only needs to cover your own belongings – you aren’t required to cover any of your tenant’s possessions. This should be up to them as they can insure their items with a renters’ insurance policy.
Does landlord contents insurance include property owners' liability cover?
Yes, property owners' liability cover is usually included with a contents insurance policy. This cover will cover legal fees and claims up to a limit if a tenant or visitor seeks compensation for injury or damage to their property.
Does landlord contents insurance cover servicing or maintenance costs for appliances?
No. Contents insurance does not cover the cost of maintaining any appliances or electronics, nor does it cover any damages that are the result of standard wear and tear. Contents insurance covers damage and loss that is unexpected and not the fault of the policyholder.
Will I be covered if my tenants destroy my property on purpose?
This type of damage is called malicious damage in your insurance policy. Cover for malicious damage isn't always covered as standard by a landlord contents insurance policy. Some providers may offer this cover as optional while others may not be willing to cover this type of damage at all.
You should always read the terms of your policy carefully when applying for insurance to know for certain what is and isn't covered.
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Reviewed on 10 Dec 2025 by
