Home Contents Insurance

Sacrificing home insurance may save a few hundred pounds each year, but in the long term it could prove a false economy. As a property is a huge asset and a source of income, it is vital it is properly protected.

Landlords require buildings insurance to protect the bricks and mortar of a home as well as its fixtures and fittings. However, they should also consider contents insurance too. Specialist insurance providers will offer landlords two levels of contents cover – one level for unfurnished properties, typically around £5,000, to cover carpets, curtains and so on; and one level for furnished properties, typically around £40,000, for homes with sofas, tables, televisions and so on, that the landlord owns.

Specialist policies are also worth considering due to the cover options they can provide – such as emergency assistance and cover for a loss of rent if the home is left unoccupied due to an insured event.