Whether you rent a flat for yourself or live in a shared house with others, your landlord must make sure the building and its fixtures are insured. As a tenant it’s your own responsibility to protect your possessions against loss or damage.
You may have heard of renter’s insurance, tenant’s insurance or contents insurance, but what’s the difference? In simple terms, nothing, they’re the same thing – insurance for your personal belongings if you rent or own a leasehold.
It’s important to find out what’s covered in your home contents insurance. Insurers will vary in terms of what they cover as standard for tenants, so it makes sense to find out if cover is provided for items such as:
As a tenant, having home contents insurance gives you extra protection against the unexpected. So you can rest assured that loss or damage to your furniture, clothing, curtains and electronic goods will be covered against incidents like a burglary, or damage caused by a fire or flooding.
Why should I get contents insurance?
There are many reasons to protect your personal possessions. Some may have a high cost in money terms but also an emotional value that goes beyond a cash price. Even so, you might be surprised by how much it would cost to replace your possessions.
It's not always easy to work out how much this would be. A sensible approach is:
If you own anything particularly valuable, you might have to give details on the policy. There will also most likely be a limit on any claim. We’ve put together a handy checklist (PDF) to help you calculate the value of your contents and work out how much cover you’ll need.
How Halifax can help
Halifax home contents insurance covers your belongings against theft, water damage and fire in your rented home. This includes garages and conservatories attached to the same building.
Plus, if you can’t live in your home because of an incident you’re claiming for, we’ll:
We’ll also replace locks and keys, freezer contents, money and cards and belongings of visitors.
Limits, terms and exclusions apply, see our policy booklet for full details.
Our Home Insurance is underwritten by Lloyds Bank General Insurance Limited
What’s covered by Halifax home contents insurance?
As well as cover against theft, or damage from fire, smoke, storms or flooding, Halifax home contents insurance provides as standard:
What’s not covered by Halifax home contents insurance as standard?
We’ve made it easy for you to buy home insurance. Compare our two levels of cover side by side when you get a quote.
Or call for a quote on 0800 085 6844.
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