Compare Contents Insurance for Renters

If a person is renting a property from a landlord it will usually fall upon them to make sure that their own possessions are insured. While the landlord will be responsible for the buildings insurance, contents insurance for renters will protect your belongings while you are living there. 'Contents' in this context is considered to be everything you brought with you when you moved in, and will take with you when you move out. See the tables below to get quotes and apply online for the best contents insurance for renters that meets your needs and your budget:

Compare Contents Insurance Quotes
Provided via:Total Number of InsurersContents InsuranceBuilding InsuranceLandlord & Tenant InsuranceGet Quotes
70+YesYesYesGet Quotes >
Latest Contents Insurance Provider Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Contents insurance for renters can come in a number of different forms:

 

  • Indemnity policies will take details like age, depreciation and wear and tear of the item into account when paying a claim for the repair or replacement of a damaged or stolen item.
  • New for old policies will provide the policyholder with the full cost of repair or replacement of the item, ensuring that lost items are replaced with new ones.
  • A bedroom rated policy will estimate the amount of cover a renter will need from the number of bedrooms the property contains.
  • A sum insured policy will allow the renter to set the level of cover based on their own valuation of their possessions.

 

It may also be useful to add accidental damage cover to your contents insurance. Renters will be held responsible for any damage caused to furnishings and fixtures so covering yourself against accidents can be a smart move. 


A renter may want to extend their contents insurance to protect their possessions when they are outside the property. This can be especially useful for people who need to take their laptop to work with them.


Getting a number of different quotes based on the various policy types and extras listed above is the best way to get a great deal on contents insurance for renters. The easiest way to do this is to use price comparison websites, or check out our list of the latest deals.