The landlord will provide insurance for the items in the house that he/she provided should the house be furnished. However, it is not the landlord’s responsibility to ensure that your personal belongings are protected. The amount of cover you will need will and how much it costs will depend on two things: the extent to which the rented property was furnished by the landlord, and the value of your possessions.
Many insurance providers offer tenants rented contents insurance that will cover their possessions and also the possessions of others who rent the property with them. If you take out a group policy, you may be able to save yourself some money.
Some companies offer extra cover known as ‘all risk’ for your possessions. You could benefit from this cover if you wish to insure any items that you take out of the rented property. This could include things such as cameras or sports equipment. If you take valuable items out of your home, this cover could save you money should they be damaged, lost or stolen.