Contents insurance for landlords

Hiscox landlords contents insurance is an optional add-on to our standard landlords insurance policies, with coverage of up to £100,000 per property. 

Landlords contents insurance could cover the costs of repairing or replacing: 

• Sofas 
• Beds 
• Curtains 
• AV equipment, such as TVs 
• White goods, such as washing machines and dishwashers. 

Landlords contents insurance typically covers unfixed furnishings and movable items.

Our landlords contents insurance does not cover claims, losses, or investigations arising from: 

• General wear and tear – which is inevitable with property ownership 
• Tenants’ contents – tenants are responsible for insuring their own possessions 
• Deliberate or malicious actions, the cultivation of any drug or by theft or attempted theft – by any tenant unless thorough inspections of the insured premises are carried out at least every 6 months and written records of such inspections are retained for at least three months. 

Please refer to the policy documents for the full details of inclusions and exclusions of this cover. Policy documents are available when purchasing online.

Landlords contents insurance can protect furnishings, appliances, and other valuable items in your rental property from damage, theft, or loss. 

It’s an optional add-on to your standard landlords insurance policy that can help you avoid facing costly repairs or replacements. Knowing you’re protected against such incidents can provide peace of mind and financial security.

 It’s especially helpful for landlords who provide tenants with furniture, appliances, and white goods. Contents insurance can also benefit landlords with multiple rental properties, helping manage the risk of damage or theft across an entire property portfolio.