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Renters Insurance

Renters Insurance free for 60 days!*

Designed specifically for renters and tenants with no annual contracts and monthly cover which you can cancel or change at any time with no admin fees.

Now free for 60 days, see how easy it is to protect the items in your home. Plus, protect items like your mobile, tablet or gadgets, inside and outside of your home for an additional cost with our Anywhere cover option.

Limits, terms and exclusions apply.

Renters Insurance - Couple using laptop

Get Renters Insurance free for 60 days

Get a quote online and receive your first 60 days of Renters Insurance free.*

*New home cover policies only. A payment may occur within the 60 day period. Terms and Conditions apply

Get free coverfor Renters and Tenants Insurance
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Halifax Renters Insurance is underwritten by Lloyds Bank General Insurance Limited

What is Renters Insurance?

Renters Insurance is contents cover designed specifically for renters and tenants with no annual contracts. A flexible monthly contract that you can cancel or make changes to at any time, with no admin fees.

If you're renting by yourself, with a partner, or with up to 3 flatmates, Halifax Renters Insurance has kept it nice and simple for you. We will protect your things while they are in your home from theft and damage caused by leaks, fire or flooding up to £10,000.

Plus, with our optional Anywhere Cover, you can choose to protect up to 5 items from loss or theft and from accidental damage both inside and outside your home too, nice! You can add things like your mobile phone, bicycle or laptop, all on one flexible monthly contract.

What else is included?

  • Monthly cover which you can cancel or change at any time without paying any admin charges
  • Online Policy Manager to keep track of your cover
  • Make a claim online 24/7 - no need to worry if the worst happens.
  • Build your policy around your lifestyle
  • £10,000 of Liability Cover - included as standard to protect you if you’re liable for damage to your landlord or neighbour’s property
  • Emergency accommodation - if the worst happens at home because of a fire, flood or water damage, we’ll cover you for up to £150 per night, to a maximum of £1,500, to stay somewhere else.
  • Cash to repair or replace damaged items.

What things are covered?

The things in your home are covered as standard under your Home Cover.

Examples* of things you can add under your Anywhere Cover include:

  • Phones
  • Tablets
  • Laptops
  • Bicycles
  • Photography gear such as tripods, cameras etc.
  • Sports kit such as surfing boards, tennis racquets etc.
  • Music equipment such as guitars, violins etc.
  • Fashion items such as clothes, shoes, bags etc.

*Limits, Terms and Exclusions apply. Please see our policy booklet (PDF) for further details.

How does Renters Insurance work?

The benefits of Renters Insurance and how you can cover your items, explained in less than 2 minutes.

How does Renters Insurance work?

Renters Insurance or Contents Insurance: which is right for you?

A few key things you need to know to help you choose what’s right for you:

  • when you rent a flat or a house, your landlord will usually get buildings cover to protect the property. This leaves you to insure the things in the property which you own
  • both Renters Insurance and Contents Insurance cover your things but with some key differences
  • our Renters Insurance offers no fixed term monthly contracts, simple lower value cover and online access to manage your policy to suit your lifestyle
  • our Contents Insurance provides a higher level of cover on a yearly policy that you can manage over the phone.

Some key differences between the two:

Table outlines differences between renters and content insurance

Key Differences

Renters Insurance

Contents Insurance

Key Differences

Cover term

Renters Insurance

Monthly cover with no admin charges to cancel or change cover

Contents Insurance

Yearly cover with early cancellation fee

Key Differences

Managing your policy

Renters Insurance

Manage your policy online

Contents Insurance

Manage your policy over the phone

Key Differences

Making a claim

Renters Insurance

Make claims online 24/7

Contents Insurance

Make claims over the phone or online

Key Differences

Cover limit

Renters Insurance

£10,000 simple cover in the home against fire, flood, theft and water damage

Contents Insurance

Minimum of £75,000 cover in the home for a large number of incidents such as fire, flood and theft

Key Differences

Optional cover

Renters Insurance

Optional cover at an extra cost for selected items worldwide if you add Anywhere Cover

Contents Insurance

Optional cover for an extra cost for items in the UK or worldwide if you add either Personal Belongings Cover or Specified Items Cover

Key Differences

Liability Cover limit

Renters Insurance

Simple Liability Cover up to £10,000 for your landlord or neighbour’s property

Contents Insurance

Liability Cover up to £1,000,000 for a range of responsibilities

Key Differences

Renters Insurance

Contents Insurance

Why choose Halifax Renters Insurance?

Do it online - Save time. Manage your policy online and do everything in one place in the palm of your hand.

Liability Cover - If you damage your landlord or neighbour’s property, because of fire, flood or water damage, we’ve got your back! 

Emergency accommodation - If the worst happens at home because of fire, flood or water damage, and you need somewhere to stay while you get back on your feet, we’ll give you up to £150 per night, to a maximum of £1,500 towards emergency accommodation.

Pay monthly - No yearly contracts. We’ll give you the freedom to manage your policy how you want. Choose when you want to be covered. Cancel at any time and have any unused days refunded.

Always low excess - Fixed fees. No surprises. Whatever happens, you won’t pay more than £100 excess for a single event.

Get Renters Insurance free for 60 days

Get a quote online and receive your first 60 days of Renters Insurance free.*

*New home cover policies only. A payment may occur within the 60 day period. Terms and Conditions apply

Get free coverfor Renters and Tenants Insurance
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Already an existing Renters Insurance customer?

If you're already an existing Renters Insurance customer and you’d like to make changes to your policy online, you’re in the right place.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.