Landlords Contents Insurance
Landlords Contents Insurance: Protect Your Rental Property’s Furnishings
If you rent out a furnished or part-furnished property, your contents—such as furniture, appliances, carpets, and décor—are at risk of accidental damage, theft, or tenant negligence. Standard Buildings Insurance does not cover your furnishings, making Landlords Contents Insurance essential to protect your investment.
ABA Insurance offers specialist Landlords Contents Insurance, providing tailored cover for private landlords, HMO property owners, and buy-to-let investors. Our policies ensure financial protection against tenant-related damage, fire, floods, and theft, so you don’t have to cover unexpected replacement costs.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Landlords Contents Insurance?
Landlords Contents Insurance is a specialist landlord policy that covers furnishings, white goods, and other belongings provided for tenant use. It ensures landlords aren’t out of pocket if their contents are damaged, stolen, or destroyed.
This insurance is essential for:
- Furnished and part-furnished rental properties
- HMO landlords with shared facilities
- Buy-to-let investors providing appliances and furniture
- Student accommodation landlords
- Short-term and holiday let property owners
Without the right cover, landlords may have to replace expensive items at their own cost due to accidental damage, vandalism, or tenant misuse.
Why Do You Need Landlords Contents Insurance?
Protection Against Tenant-Related Damage
Even responsible tenants can accidentally damage carpets, sofas, or kitchen appliances. This policy covers repair or replacement costs, ensuring your property remains rentable.
Cover for Fire, Flood, and Water Damage
If a pipe bursts or a fire breaks out, your furniture, curtains, and electrical items could be destroyed. This policy helps cover replacement costs for affected contents.
Theft and Vandalism Protection
If a tenant steals, damages, or vandalises your furnishings, you won’t be left out of pocket. Our policy covers stolen furniture, TVs, kitchen appliances, and more.
Legal and Leasehold Compliance
Many lease agreements and letting agents require landlords to have adequate contents cover, ensuring compliance with rental regulations and property management agreements.
Peace of Mind for Furnished Rental Properties
If your rental property is fully or partially furnished, this policy ensures quick replacements for damaged or stolen items, keeping your property in top condition for new tenants.
What Does Landlords Contents Insurance Cover?
- Furniture and soft furnishings (sofas, beds, curtains, carpets)
- White goods and appliances (washing machines, fridges, dishwashers)
- Kitchenware and electricals (microwaves, TVs, kettles, toasters)
- Accidental damage protection for tenant mishaps
- Fire, flood, and water damage cover
- Theft and vandalism cover for stolen or damaged furnishings
- Fixtures and fittings cover (curtains, blinds, light fittings)
Get The Right Business Insurance
How We Get You The Right Landlords Contents Insurance Cover First Time Round
Worried About Tenants Damaging Your Furniture?
Wear and tear happen, but accidental spills, burns, or breakages can be costly. Our accidental damage cover ensures landlords aren’t left paying out-of-pocket.
Concerned About Fire or Water Damage?
Flooding, electrical faults, or fire can destroy expensive furnishings. Our policy ensures quick replacements, keeping your property rentable.
Need Cover for Theft or Vandalism?
Tenants sometimes steal, damage, or vandalise property. Our theft and malicious damage cover ensures landlords can replace missing or broken items quickly.
Unsure If You Need Landlords Contents Cover?
Standard Buildings Insurance won’t cover your furnishings. Our specialist policy protects all the items you provide for tenant use.
Looking for Affordable, Flexible Cover?
We offer customised policies to match your rental property type, furnishings, and risk level, ensuring cost-effective and reliable protection.
How Much Does Landlords Contents Insurance Cost?
The cost of Landlords Contents Insurance depends on:
- The value of the furnishings and appliances covered
- The type of tenants (students, professionals, families, etc.)
- The property location and risk of damage/theft
- The level of accidental damage cover required
- The security measures in place (locks, alarms, etc.)
- The landlord’s claims history and risk profile
ABA Insurance provides affordable and tailored policies, ensuring landlords receive the best protection for their rental contents.
Why Choose ABA Insurance for Landlords Contents Insurance?
- Industry expertise with specialist cover for rental properties
- Flexible policies for furnished and part-furnished lets
- Competitive pricing with cost-effective protection for landlords
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Landlords Contents Insurance Today
Protect your rental property’s furnishings, appliances, and fittings with Landlords Contents Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.