building contents insurance

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Building and Contents Insurance

When you are living in rental property it is the landlord's responsibility to take care of the building insurance. However, this does not take care of your contents and possessions or damage caused by you or your visitors to the landlord's fixtures and fittings.

There are also several other risks which, as a tenant, you should consider. It is well worth thinking about the benefits to be had through a relatively inexpensive tenant's insurance package.

For example, comprehensive cover can be arranged which includes:

• Full all-inclusive risks cover for your house contents

• Cover for damage to landlord's fixtures and fittings - protects your security deposit

• Malicious damage and vandalism

• Occupiers and personal liability

• Alternative accommodation and rent payments

• Frozen food

• Money and credit cards

• Extended cover to possessions when outside and away from home.

•In addition tenants may consider taking out accident, sickness and redundancy protection by way of protecting their rent payments.

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Once you have found a property you may need help in agreeing all the terms to secure the deal. There may be a chain involved, or survey difficulties. We are there to help you through this stage. Liaison with your legal adviser will also be crucial.

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