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Tenant Insurance: Your Essential Guide to Protecting Home & Deposit

June 26, 2025
While not mandatory, tenant insurance is strongly recommended for renters. Protect your prized possessions and avoid being out of pocket for accidental damage to your landlord's property. Get peace of mind with tailored coverage for your rented home.

Do I need Insurance If I am renting a property?

Whist taking out insurance is not mandatory for a tenant this is strongly recommended and there are a number of important factors that need to be considered.

Most tenants’ priority may be setting up things like broadband and their monthly subscription TV streaming services, and moving into a new property can be incredibly exciting. However, you never know what lies around the corner. While arranging furniture and putting up pictures, it’s worth taking a moment to think about protecting the things you care about.

What happens in the event of a break in, theft or fire?

Don’t you want to protect against loss or damage to your prized possessions? Plus, you don't won't be left out of pocket should you accidentally cause any damage to your landlord's fixtures and fittings.

Tenants Liability Insurance is tailored for those renting a property and works equally well if you’re renting a furnished or unfurnished property. Tenants Liability cover provides protection for tenants in the event of accidental damage to their landlord's property, for which the tenant would be liable for under the terms of their tenancy agreement. This can also often cover damage caused by pets.

Even if you don’t feel you need contents insurance to protect your own belongings, you should still consider protecting yourself against any accidents to your landlord’s property with standalone tenant’s liability insurance.

Reduce the risk and increase your peace of mind.

Tenants’ liability insurance ensures you are protected against some of the most common situations that might lead to you losing your security deposit, such as accidental damage to a landlord’s fixtures, fittings or furniture. This could range from stains on the carpet and broken windows to damage to kitchen appliances or burst pipes, which can be very costly to repair or replace.

To find out more and to obtain a no obligation quote visit https://tenants.lethq.co.uk/

Our Tenants Contents Insurance and Tenants Liability Insurance policy has been designed to meet the specific needs of those living in a rented property. Contents Insurance provides cover for your personal belongings. Tenants’ liability insurance means you are also protected should they need to cover the cost of any accidental damage to your landlord’s fixtures and fittings.

Benefits include:

  • £10,000, £20,000, £30,000, £40,000 or £50,000 cover options
  • £10,000 of tenants liability cover included as standard
  • Accidental damage to TVs and audio visual equipment included as standard
  • Choose your excess from £0 to £500 in £50 increments
  • Option to include full accidental damage, worldwide belongings cover and tenants legal expenses
  • No Credit Checks
  • No charges for paying monthly
  • No interest
  • Cancel anytime

 

Start your quote now and see how our cost effective cover can help protect you any your landlords belongings.

Contents Insurance - Start Quote

Liability Insurance - Start Quote

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