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Contents insurance for tenants

When you rent a property, arranging the buildings insurance, which covers the structure of your home along with fixtures and fittings such as the kitchen or bathroom units is usually down to your landlord. However, the contents of your home – those items owned by you – are your responsibility. With Direct Line, we can provide tenants with contents insurance providing the property is furnished with contents owned by you.

Contents insurance covers your household goods from furniture to more valuable items. There is no cover under this policy for any contents which are owned by the Landlord.

So, if you are a tenant looking to insure your own contents, we can provide cover for loss and damage to them through fire, smoke damage, lightning, theft, flood and escape of water and oil. We cover cash in your home up to £500 and items in your garden up to £1,000. Contents insurance also covers against freezer contents as standard.

Direct Line contents cover is provided on a new for old basis, whether you are a tenant or not. To make sure you have adequate cover, you can use the home contents calculator online. Remember, you need to give us the replacement value of items when you apply for a quote.

Cover is increased automatically during the period of a wedding and Christmas, and there is a 24 hour emergency helpline in case disaster strikes.

For more details on contents insurance for tenants check our policy documents online.