Who needs contents insurance?
If you are a residential landlord with a furnished or part‐furnished property, then you may want to get contents insurance to guard against the cost of repair or replacement of furnishings and furniture that have sustained accidental damage. Landlord’s contents insurance can cover you for up to £500,000 of damage to furniture, and fixtures and fittings that don’t form a permanent part of your property’s structure.
What is covered
Standard extensions such as replacement of locks, debris removal costs, loss of oil and metered water costs, and the cost of alternative accommodation for tenants in the event that a property becomes uninhabitable, are included in the cover. In addition we insure floor coverings such as carpets and lino as a separate item up to £5000 with the option to increase the limit.