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Importance of Tenant Contents Insurance

You are required to insure your own contents as the owner’s insurance will not cover your possessions and contents. For example, should an electrical fault cause the power to fail and your freezer contents are spoiled, your landlord’s building insurance will not cover this.

Further, should the property be destroyed by fire due to an electrical fault, your contents are not covered by the landlord’s building insurance.

Landlord Building Insurance

You should not do anything, or bring anything onto the property that will adversely affect the Owner’s insurance policy, premiums or ability to make a claim. If the Owner elects to claim on their insurance for damage or repairs that were caused by you or by your visitors, the Owner may require you to pay the excess for the claim.