Insurance for Residential Tenants
When you are living in rented accommodation it is the landlord's responsibility to take care of the building insurance. However, this does not take care of your contents and possessions or damaged caused by you or your visitors to the landlord's fixtures and fittings.
There are also several other risks which, as a tenant, you should consider. It is well worth thinking about the benefits to be had through a relatively inexpensive tenant's insurance package.
For example, comprehensive cover can be arranged which includes:
- Full all risks cover for your house contents
- Cover for damage to landlord's fixtures and fittings - protects your security deposit
- Malicious damage and vandalism
- Occupiers and personal liability
- Alternative accommodation and rent payments
- Frozen food
- Money and credit cards
- Extended cover to possessions when outside and away from home.
In addition tenants may consider taking out accident, sickness and redundancy protection by way of protecting their rent payments.
Never rely totally on this information which relates primarily to England & Wales. Before taking action or not, seek expert advice with the full facts of your case and all documents to hand.
