What does renters insurance cover?
Renters insurance covers possessions or personal items that a renter would like to take with them if they were moving house. Anything that isn't a fixed feature of your rented home is covered under contents only insurance and is protected against loss, damage or theft. Items covered by home contents insurance include: furniture, clothes, electrical items, money and jewellery.
Renters’ home cover includes:
✔ Contents replacement – up to sum insured to repair or replace your contents as new.
✔ Replacing locks if the house keys are stolen.
✔ Unlimited cover for replacing food in freezer or fridge, if appliance breaks down or after a power failure.
✔ Temporary removal of contents.
✔ Alternative accommodation – if your home can’t be lived in following a claim.
✔ Tenant liability – your liability for damage to the landlord’s buildings.
✔ Legal Liability as owner or occupier of the home for bodily injury to domestic employees.
✔ Legal Liability as occupier of the home for bodily injury or loss of or damage to property.
✔ Personal Legal Liability
Additionally, our 24 hour Emergency Helpline is available to you should you need to report a claim (subject to policy T&Cs).