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Tenants Contents Insurance

Tenants very often overlook this, especially those who have never rented before. A tenant who has paid the first months rent plus a deposit and administration fees in order to move into the property, insurance is the last thing on their mind. Recent studies have shown that less only 1 -20 tenants have any contents cover at all.

Although a conventional home contents policy will give a basic degree of cover for most insured perils it is not specifically designed for tenants and there can be some major gaps in the cover you need. Often the minimum sum you can insure for will be far in excess of what the tenant needs, typically a minimum of £10,000 - £12,000.

Most specialist tenant policies will provide the tenant with cover starting from £2,500 upwards and will usually cover accidental damage that you may cause to the landlords fixture, fittings, buildings and contents. Should the tenant accidentally damage the carpet with a wine stain or hot iron or a work surface with a hot pan mark, these events will be covered. Usually the tenancy agreement will make the tenant legally liable for such damage, any damage found at the time of the check-out will be deducted from the deposit or security bond. If the tenant has adequate insurance these events will be covered, thereby protecting your deposit.

If a Tenant has a loss through, burglary, fire, flood or other insured peril, which has damaged their contents and have no insurance for their personal possessions they are then left with the cost of replacing the items themselves.

Any items of personal property (clothes, furniture, computers etc) a tenant takes into the property it is their responsibility to insure. Most policies will give an option for basic cover which can usually be extended to cover high risk personal items which are taken outside the home, on holiday or Worldwide i.e. Cameras, sports equipment, clothes, jewellery etc.

In certain high-risk inner city post codes there will usually be a requirement to have minimum-security locks on doors and accessible windows. Do also take into account the conditions of insurance policies, regarding keeping windows and doors secured when the Tenant is not in the property. For further information click on the appropriate insurance company logos on this page.

©jmlpropertyservices December 2004

 

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