Your landlord insures the building — but not your belongings. Renters contents insurance protects your possessions from theft, fire, flood and accidental damage.
Many tenants assume they're covered by their landlord's insurance. They're not.
Laptops, phones, TVs and gaming consoles add up fast. Replacing them out of pocket after a theft or fire can run into thousands.
Most people massively underestimate the value of their wardrobe. Contents insurance covers clothing and jewellery (specify high-value items).
Spilling wine on a carpet or cracking a TV screen happens. Accidental damage cover protects you from unexpected repair or replacement costs.
Optional add-on covers your belongings outside the home — your phone on the street, laptop at a café, bike locked outside.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.