Regular home insurance helps cover your property against damage from events such as storm, fire and theft and usually includes a section covering your liability as an occupier. Landlord Insurance provides cover for all of the same events a standard home insurance covers, but has additional features which are relevant to landlords, such as loss of rental income, rent default and malicious damage caused by tenants.

The cost of Renter's Insurance will depend on a number of factors. These include your address, the type of dwelling you live in, your sum insured, the security on your property, your claims history and more. We recommend going through the quote process to help you get an indication of price.

Renter's Insurance is a similar type of insurance to the ‘Contents’ component of Home Contents insurance, which provides cover for belongings inside the home.

To make a claim, you will need to contact your broker and explain what has happened. You will most probably be asked to list the items which have been damaged, how much they’re worth, and provide proof of the damage. If there has been a burglary, you’ll need to provide a police report reference number. You’ll also be asked to provide some form of proof of ownership of the items. The insurer will then determine whether to repair or replace the item(s), or pay you the cost to repair or replace them.

Proof of ownership can include (but are not limited to) receipts, packaging/boxes, photos of the items, and bank and credit card statements.

You’ll need to conduct a thorough inventory of your home and work out roughly how much everything is worth. Remember to calculate the value based on new-for-old replacement. You might find it easiest to do this one room at a time. For some categories like clothes, you may need to make a realistic guess as it would be hard to add up the individual value of each item.