Tenants Contents Insurance
The Cover, Specific Features and Benefits
Contents Insurance for you as a tenant provides you with peace of mind that you will be covered in the event of a fire, flooding, theft or related household damage.
As a tenant, you are not covered by your landlord’s building or contents insurance. This means that in the event of a fire, flood, theft or household damage, you as a tenant are expected to pay for repairs from your deposit, as well as replacement of your own personal belongings.
This is why rented accommodation insurance is essential; it protects your possessions against the unexpected. We have a policy that is specifically designed to suit all of your rented accommodation insurance needs.
What’s more, as standard, we also provide you with tenants liability cover for accidental damage to glass and fixed sanitary fittings.
Type of Insurance and Cover
You can choose contents insurance with or without cover for personal possessions anywhere in the world. Your intermediary will provide you with details of the cover you have chosen and will confirm the sums insured that you have requested at the time of quotation.
Cover specific features and benefits
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Contents – Section one |
Contents with extended accidental damage as an option.
In the home:
- Up to £500 for money.
- Up to £1,000 for stamp, coin or other collections.
- Up to 35% of the contents sum insured for valuables, pictures, works of art and curios in total for these items (but not more than £2,000 for any one item, pair or set).
- Up to £2,500 for theft or attempted theft from any garage or outbuilding.
- Up to 20% of the contents sum insured for loss of rent, alternative accommodation or rent you pay.
- Up to 20% of the contents sum insured for contents temporarily removed from the home, except for theft or attempted theft from any garage or outbuilding when the limit is £2,500.
- Up to 10% of the contents sum insured for tenants liability including £2,500 for accidental damage to the home and fixtures and fittings.
Other contents:
- Up to £500 for spoilage of fridge and freezer contents caused by failure of the unit or accidental failure of the electricity or gas supply.
- Accidental damage to contents (optional benefit) – limit of £1,000 for china, glass, pottery, porcelain or other brittle substances.
- Up to £2 million for personal liability and liability as occupier of your home.
- Up to £5 million for liability for accidents to domestic employees for any one event (plus any agreed costs and expenses).
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Personal items – Section two |
- Up to £2,000 per item of unspecified valuables, clothing and personal belongings.
- Up to £500 for any pedal cycle.
- Up to £250 for personal money.
- Up to £1,000 in total for theft or attempted theft from an unattended motor vehicle of unspecified valuables, clothing, personal belongings, sports and camping equipment and specified pedal cycles but only if the property was hidden in a glove compartment, locked luggage compartment or locked boot and if all windows and sunroofs were securely closed and all doors locked.
Significant or Unusual Exclusions or Limitations
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Contents – Section one |
The first £100 of every claim.
After the home has been left unoccupied for 30 days, theft, malicious damage, escape of water, accidental breakage or loss of metered water or oil or accidental damage is not covered.
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Personal items – Section two |
The first £100 of every claim except for money where it is £50.
Loss of property from an unattended road vehicle is limited to £1,000.
Period of Insurance
The insurance offered is a 12 month contract. The insurance may be renewed each year, but renewal will be subject to the terms and conditions that apply at the time of renewal.
To find out more or to receive a quotation please contact us:
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01242 210700 |  |
lettings@alexclark.co.uk |
Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, which can be found in the insurance document.
