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Tenants insurance

If you rent a home or apartment, your landlord probably carries insurance on the property. But guess what? That coverage won't cover your possessions should something happen. That's why letcare offers tenants insurance.

Our tenants contents insurance cover is available for all residential tenants including students living in flats, bed-sits, shared accommodation and halls of residence, for properties of all sizes throughout the UK. Covers loss or damage as a result of all standard perils. letcare have many years experience in providing tenants contents Insurance for the let property sector and other let property related services.

Tenants insurance protects you in ways four basic ways:

Allows you to replace your property (furniture, clothes, appliances etc.) if it is destroyed, stolen or damaged
Covers injuries that happen to other people or their property while in your rental suite (for which you may be held liable)
Covers your additional living expenses if you're forced to leave your rental suite because of an insured loss.
Provides coverage for your personal liability if you accidentally cause damage to an adjoining unit

Tenants insurance also insures your personal property while it is temporarily away from your apartment (i.e. while you're traveling). Note that most insurance policies have "special limits" for things like cash, jewelry, watercraft and bicycles. As well, possessions left in, on or attached to a motor vehicle are usually only insured up to £1500. Depending on your circumstances, you may want to consider insuring items such as bicycles or computers with additional coverage.

Tenants insurance policy covers:

Replacement of lost or irreparably damaged items with new items

Cover for your computers

Cover for your pedal cycles

Cover for damage caused to your landlords property

Option to include cover for your possessions outside of your home

Things to consider

Before purchasing tenants insurance, consider the following questions:

What would it cost to replace the contents of your rental suite?
Do you have an inventory and photographs of your personal possessions?
What kind of protection do you have against liability claims?
Do you have items that should be insured with special coverage (i.e. silverware, jewelry, laptop computers, sporting equipment)?
Does your suite have a security system, fire extinguisher or other money-saving safety features?
Do you have anyone living with you that is not a relative?
Do you operate a "home-based" business?

Coverage options

At letcare, we offer a variety of tenants insurance policies from insurance providers with a proven track record for service and value.

All policies feature:

Comprehensive replacement cost coverage
£ 1 million in liability coverage
Choice of deductibles
Option of monthly payments

We also offer excellent supplementary insurance for:
Earthquake damage
Sewer backup
Jewelry
Watercraft
Liability protection for watercraft
Bicycles and other sporting equipment

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