{"id":4157,"date":"2019-01-17T10:22:18","date_gmt":"2019-01-17T10:22:18","guid":{"rendered":"https:\/\/www.citylets.co.uk\/blog\/?p=4157"},"modified":"2019-01-17T10:22:18","modified_gmt":"2019-01-17T10:22:18","slug":"tenants-dont-chance-it-get-contents-insurance","status":"publish","type":"post","link":"https:\/\/www.citylets.co.uk\/blog\/tenants-dont-chance-it-get-contents-insurance\/","title":{"rendered":"Tenants \u2013 Don\u2019t Chance It! Get Contents Insurance"},"content":{"rendered":"

A new study has revealed that 55% of tenants don\u2019t have any contents insurance, which means their personal belongings are not covered if they are stolen or damaged by fire or flooding when renting.<\/p>\n

\u201cIt\u2019s worrying to see that more than half of renters don\u2019t have contents insurance, so they wouldn\u2019t be compensated for the loss of their possessions if the worst were to happen\u201d \u2013 said Karen Hogg, Head of Insurance at Sainsbury\u2019s Bank, who conducted the research.<\/p>\n

Whilst the majority of landlords have comprehensive landlords insurance which protects their properties against damage, this usually doesn\u2019t cover tenants who are responsible for having the right cover in place for their personal items.<\/p>\n

Some tenants confuse contents insurance with buildings insurance, which covers the structure of the building and is the responsibility of the landlord, but these are two different products.<\/p>\n

\"house-insurance\"<\/a><\/p>\n

Contents insurance might not be considered a priority by many tenants and seen as an extra financial burden on top of the rent payments and other costs, but it can give them peace of mind and protection when they need it most.<\/p>\n

Getting the right cover<\/strong><\/h4>\n

Contents insurance products vary greatly and there is a vast choice available out there but typically they provide cover for such items as TVs, laptops and other electronics, soft furnishings, furniture, jewellery, bike and sports equipment, books and DVDs.<\/p>\n

It\u2019s important to work out how much cover is needed if the home contents had to be replaced. This is not always easy and it helps to make a list of everything you own, room by room.\u00a0 The figure should be kept up to date and you should contact your insurer if you purchase any expensive items as this could affect your policy.<\/p>\n

It also might be worth considering adding extras to your policy, such as accidental damage cover or personal possessions cover, which protects items away from the home. These are likely to come at an extra cost but it could be worth it.<\/p>\n

\"latest-apps\"<\/a><\/p>\n

If you live in a flatshare<\/a>, you might only need a small amount of cover, providing you can lock the door to your room. This type of contents insurance will only cover items stolen or damaged in your room though, so if you take them out with you or leave elsewhere in the property, they won\u2019t be protected.<\/p>\n

Keep calm and shop around<\/strong><\/h4>\n

Getting the right cover at a cheap price might seem quite a task but you should always shop around for the best quote.<\/p>\n

\u201cWhile homeowners are more proactive in comparing prices and switching, many people who do have contents insurance, could be missing out on a better deal as only 16% shop around when renewing their home insurance\u201d \u2013 said Karen Hogg.<\/p>\n

Remember though \u2013 compare \u2018like for like\u2019 contents insurances, as a cheaper policy might not offer the same level of protection.<\/p>\n","protected":false},"excerpt":{"rendered":"

A new study has revealed that 55% of tenants don\u2019t have any contents insurance, which means their personal belongings are not covered if they are stolen or damaged by fire or flooding when renting. \u201cIt\u2019s worrying to see that more than half of renters don\u2019t have contents insurance, so they wouldn\u2019t be compensated for the …<\/p>\n","protected":false},"author":1,"featured_media":4225,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[280,1],"tags":[290,506],"class_list":["post-4157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-being-a-tenant","category-property","tag-property-protection","tag-tenants-insurance","being-a-tenant","property"],"yoast_head":"\r\nTenants \u2013 Don\u2019t Chance It! 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