Renters insurance is generally means someone who is renting requires insurance for their contents. However landlords often use the expression renters insurance when they are renting their property out. this type of insurance is normally known as landlords insurance. UKinsurancenet have dealt in this market for may years and have a great deal of expertise, Should you require a quote for rental insurance please call us or follow the links above.
When you rent a furnished or unfurnished property, even if it is not for a long time, it will be in your best interests to take out tenant contents insurance.
If you have rented a fully furnished or un-furnished property, you will probably be asked to pay a deposit, usually of one month’s rent, which is partly to secure the flat, and also to protect the landlord against damage to their property.
Should your property be fully furnished, you will not own the contents, but you will be responsible for certain types of damage to them. Should the furniture become the victim of wear and tear, the tenant may not be responsible.
The landlord actually will need to insure their contents as well. Also, you may have some personal possessions in the furnished flat which you will want to cover.
In an unfurnished flat, then you are responsible for insuring your own contents. In addition, you can cover your personal possessions outside your rented flat by extending your policy to “all risks”.
You can insure yourself for household goods, personal effects, furniture, coins, stamps and other collections, along with other valuables. Sometimes, you can be covered for money and anything else that belongs to or is the legal responsibility of you as a tenant.
Most policies will cover you for the cost or replacement locks due to keys that have been lost. You should also get alternative accommodation and any rent that is legally due. You should also find out if the contents will be replaced on a new for old basis.
We can provide cover for let commercial property or domestic property and ensure you are still covered should the property become unoccupied. The cover provided by our panel is extensive with all of our landlords building insurance policies providing cover for fixtures & fittings as standard. Our Zurich landlord's insurance policy takes this one step further by providing cover for carpets and laminate flooring as standard.
UKinsurancenet can also provide holiday home insurance cover with policies available to cover properties both in the UK and abroad.