Contents insurance for a rented room
Contents insurance protects your own belongings. It is optional, but worth thinking about before you move.
What is usually covered, and by whom
- A landlord's insurance usually covers the building and the furniture they provide.
- Your own things, such as a laptop, phone, clothes and bike, are usually yours to insure. Ask your landlord what their policy covers.
What to check in a policy
- The total cover limit and the excess you pay on a claim.
- Whether the insurer accepts a room in a shared house.
- Whether items such as a bike or a phone are covered away from home, and any single-item limit.
Make a simple list
Photograph your valuables and keep receipts or serial numbers in one folder. See keys and security and moving into a rented room.
This is general information, not advice. See how renting with us works.
Common questions
Does my landlord's insurance cover my belongings?
Usually a landlord's policy covers the building and their own contents, not your personal belongings. Ask to be sure.
Is contents insurance a legal requirement for renters?
No, it is your choice, but it can be worth considering if you own a laptop, phone or other valuable items.
What should I check in a policy?
Check the cover limit, the excess, whether items are covered away from home and whether a shared house is accepted.