Landlord contents insurance
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is landlord contents insurance important?
From TVs to dining chairs, many landlords choose to furnish their rental property. There’s always a risk that something will get damaged or stolen, so landlord contents insurance is a popular cover for UK rental property owners. You can buy it as part of a complete landlord insurance policy, adding in other protection for the building itself if you need to.
- landlord contents insurance, UK-based contact and claims team
- no excess to pay and quick turnaround – 80 percent of settled claims paid in 24 hours
- accidental or malicious – cover for damage, plus lost items, fire and water damage
What does content insurance cover?
Landlord content insurance is designed to cover repair and replacement costs for your free-standing items – not ‘fixed’ into the property – if they get damaged, lost or stolen. This can include things like standalone kitchen appliances, furniture and decorative items like paintings or mirrors.
Keep in mind, all insurers treat this cover differently, and some will consider certain property to be your fixtures and fittings, rather than your contents – for example, your carpets. Check your policy wording carefully before you buy.
This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does landlord contents insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £15.87 per month
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*The price is for building, contents and £2 million property owners’ liability insurance only – 10% of customers paid £190.40 or less annually in 1st Jan – 31st May 2024. Equivalent to £15.87 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available, including up to £5 million of property owners’ liability insurance. These all have additional costs.
Example contents insurance quotes, real prices
![](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/churchill-1.png?w=129)
£24.27 /month
£215.72 /year
Landlord renting a detached house to a young couple
- Residential
- Detached house
- 3 bedrooms
- 1 bathroom
- Built between 1990 and 2000
- Over 5 years
- Occupied
- Based in Edinburgh
Landlord buildings
£200,001 to £250,000
Landlords’ contents
£7,501 to £10,000
Accidental Damage
Include
Property owners’ liability
£2,000,000
![](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/churchill-1.png?w=129)
£48.22 /month
£428.63 /year
Renting a whole house to a large family
- Residential
- Detached house
- 4 bedrooms
- 2 bathrooms
- Built between 1980 and 1989
- Over 5 years
- Occupied
- Based in Blackpool
Landlord buildings
£250,001 to £300,000
Landlords’ contents
£20,001 to £25,000
Property owners’ liability
£5000000
How we work out example quotes These examples are real quotes from our online system (created 20/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having contents insurance for a rental property through Simply Business has saved landlords thousands of pounds when the unexpected happened.
Stuart saved more than £10,200
Stuart (not his real name) received a call from his tenant over the Christmas holiday, reporting severe storm and flood damage to his property’s ground floor. Kitchen contents, soft furnishings, decorative items, and other unfixed items were damaged, but the landlord contents insurance added to his policy covered Stuart’s replacement and repair costs.
Insurance payout
£10,264.30
Covering the cost of storm and flood
Insurance payout
Covering the cost of storm and flood
Covering the cost of storm and flood
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Landlord contents insurance FAQs
Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions about landlord contents insurance. You can also check out our landlord insurance FAQs.
If you’ve provided furniture and other contents for your tenants – maybe even a TV or art for the walls – your property is known as ‘furnished’, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your landlord insurance quote(s).
Buildings insurance covers the physical structure of the property including the walls, roof, and floors. Items inside the property, like furniture and freestanding appliances, are usually protected by specific ‘contents insurance’.
There’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.
Popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.
This will depend on your specific circumstances, the type of property you’re renting out, your tenants and various other factors. Currently, our price is for building, contents and £2 million property owners’ liability insurance only – 10% of customers paid £190.40 or less annually in 1st Jan – 31st May 2024. Equivalent to £15.87 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available, including up to £5 million of property owners’ liability insurance. These all have additional costs.
This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions