very often overlook this, especially those who have never
rented before. To a tenant who has just paid the first months
rent plus a deposit and administration fees in order to
move into the property, insurance is the last thing on their
mind. Recent studies have shown that less only 1 -20 tenants
have any contents cover at all. More
on logo for more information from these providers and follow
the link into their websites)
online quotes and immediate cover. Pay monthly or annually.
for Tenants (including Students)& Landlords - Pay by
Credit card or Direct debit.
the facts..... Did you know that
domestic burglary accounts for 8% of all recorded crime in
the UK? Are you covered in the event of a burglary?
tenancy agreements state that it is the tenants responsibility
for any damage to their landlords property.
Are you covered?
100,000 bicycles are stolen every year. Thieves love them
because they can be sold easily and anonymously.
Are you covered?
your laptop insured?
average cost of a student burglary is £900. The most
commonly stolen items are personal laptops / computers and
other electrical goods.
Are you covered?
your Landlord going to keep your deposit?
Are you covered?
you are renting a property the insurance that the owner has
will probably not cover your own belongings. You should take
out your own
section further down this page - Tenants
provides a range of insurance and other related products for
CONFIDENT... YOU'RE COVERED!
Insurance has years of experiences specialising in Landlord
and Tenants Insurance. We are confident to provide you with
the most comprehensive Tenant Insurance at extremely competitive
rates that fits your needs.
documents sent out within 24 hours
Typical Savings of 35% on all policies
Instant Quote & Buy Online 24/7
Single or Block Schemes
Excellent customer services
Tenants Insurance: -
policy is available for all residential tenants (including
students) living in any properties of all sizes throughout
the UK. All standard perils are covered.
Accidental Loss of Oil and Metered Water
Alternative Accommodation Cover
Tenants Liability to the public up to £2,000,000
Personal Possessions Cover worldwide (up to 60 days)
Rentguard which is a trading name of RGA Group Ltd, authorised
and regulated by the Financial
Services Authority. Registered in England No. 4302819.
BIBA membership no: 4733
can cover your liability for accidental damage to your landlord's
property, its furniture, furnishings, fixtures and fittings.
You also have the option to cover your own possessions (personal
belongings that are owned by you and not the landlord). In
addition this is a "portable" policy, so if you move to a
new rental address, the policy will transfer with you.
your tenancy agreement
you will probably be responsible
for any accidental damage you cause to any of the landlord's
fixtures and fittings. However, with Intasure our cover provides
you with up to £4,000 of protection for any sums you are legally
liable to pay as a tenant under a tenancy agreement in respect
of accidental damage to your landlord's fixtures, fittings,
furniture and furnishings. This cover is especially relevant
if the property you are renting is also furnished by your
is a trading style of Blenheim Park Ltd, Registered in England
with Company Number 4990061. Authorised and Regulated by The
Financial Conduct Authority - FCA, registered number 311572
a conventional home contents policy will give a basic degree
of cover for most insured perils it is not specifically designed
for tenants and there can be some major gaps in the cover
you need. Often the minimum sum you can insure for will be
far in excess of what the tenant needs, typically a minimum
of £10,000 - £12,000.
specialist tenant policies will provide the tenant with cover
starting from £2,500 upwards and will usually cover accidental
damage that you may cause to the landlords fixture, fittings,
buildings and contents. Should the tenant accidentally damage
the carpet with a wine stain or hot iron or a work surface
with a hot pan mark, these events will be covered. Usually
the tenancy agreement will make the tenant legally liable
for such damage, any damage found at the time of the check-out
will be deducted from the deposit or security bond. If the
tenant has adequate insurance these events will be covered,
thereby protecting your deposit.
If a Tenant has a loss through, burglary, fire, flood or other
insured peril, which has damaged their contents and have no
insurance for their personal possessions they are then left
cost of replacing the items themselves.
items of personal property (clothes, furniture, computers
etc) a tenant takes into the property it is their responsibility
to insure. Most policies will give an option for basic cover
which can usually be extended to cover high risk personal
items which are taken outside the home, on holiday or Worldwide
i.e. Cameras, sports equipment, clothes, jewellery etc.
In certain high-risk inner city post codes there will usually
be a requirement to have minimum-security locks on doors and
accessible windows. Do also take into account the conditions
of insurance policies, regarding keeping windows and doors
secured when the Tenant is not in the property.
For further information click on the appropriate insurance
company logos on this page.
This information should not be relied on for accuracy and
is presented here without the responsibility of jml Property
Service and the website it is being displayed at. ©jml property
to letting or renting?
Take a look at our tenants
Security Tips for Property Owners
Insurance claims that UK Tenants are gambling with their possessions
- survey results published March 2008.
to Zurich Insurance UK tenants are gambling nearly £8 billion
of personal possessions by not protecting themselves against
crime or bad weather.
have reported that almost a million private tenants representing
37 per cent of those surveyed confessed that they have no
home contents insurance even though the fact that a third
said they estimate their personal possessions to be worth
more than £10,000 in value. Some have individual items worth
the survey, 22 per cent admitted it would take over two years
to replace all of their possessions if they were damaged or
stolen. A third thought that they would never be able to afford
all of their personal belongings.
the survey one in ten tenants who do not have insurance believe
that their landlord's insurance policy covers their contents
which would very rarely occur in reality.
quarter of those surveyed believe that their risk is simply
not high enough to make insurance worthwhile.
survey found that other financial commitments take priority.
These are paying bills fifty six per cent - debt repayments
thirty six per cent - pension contributions twelve per cent.
Other reasons for not taking out contents insurance were preferring
to spend money on holidays, new clothes and socialising.
Gilbert Zurich Insurance's home underwriting manager said"
Home contents insurance is often seen by tenants as non essential.
Be it funding other financial priorities, their lifestyles
or even perhaps saving to get a foot on the property ladder
themselves, they need to be aware that not having insurance
could cost them dearly in the long run - especially if faced
with the daunting prospect of replacing all their possessions".
away on holiday / traveling? Click
here for details about Travel
YOU GOING TO COLLEGE OR UNIVERSITY IN THE UK?
Did you know that they can get insurance for your rental room,
flat or house? CLICK
HERE for more information