Westpac only covers accidental breakage of glass, like mirrors or ceramic cooktops. Accidents happen: an overflowing washing machine could damage flooring, or a kitchen fire might make the place uninhabitable.
Your landlord has insurance to protect their building, and their insurer might come looking to recoup their costs. This is where having legal liability cover can protect you. Legal liability cover in home insurance also protects you away from home. If you accidentally damage someone's property or hurt them while going about your day, your contents insurance will cover you although you need to keep an eye on the long list of exclusions.
If you buy a policy with housemates, everyone can choose a sum insured for their belongings and you can divide the premium accordingly. If you choose a higher excess your premium will be lower — if you make a claim you can split it evenly. If someone makes a claim against their portable contents, the premium for everyone will go up next year.
You have the option of going it alone and just insuring your belongings, or getting a policy to cover the whole household. Each route has its own pros and cons. For starters, some insurers won't cover homes with more than three unrelated people living there. Regardless of which option you take, everyone in the home needs to be responsible.
Can you rely on your housemates to lock up properly? Because you won't be covered for theft if the place isn't secured. Most policies won't accept a theft claim if the thief enters with the permission of a resident — bad news if your housemate has any friends you don't trust.
Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product. Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. You do not pay any extra for using our service. We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
You can easily change the sort order of the products displayed on the page. Renters insurance vs. Some differences with renters insurance Broadly speaking, renters insurance and contents insurance offer the same cover. What does contents insurance cover? This usually includes items such as: Furniture Whitegoods Electronic equipment, e.
Where necessary, our specialist loss adjusters will be available to help you too. Tenants contents' insurance covers your belonging if you live in a rented home or let a property of any kind and want to cover only your contents. Read out useful guide for Will property development and investment remain a viable option weighed up against future market trends, tax free incentives and alternative investment opportunities?
DIY season traditionally begins over the Easter bank holiday and extends until the end of summer. We carried out research to find out how much Brits are spending on DIY and whether it's costing them to have mistakes fixed. As a landlord, you look after the deposit of your tenant.
Take a look at our guide to find out what is legally required and why a protection scheme is good for you and your tenants. Both cover your own contents against fire, lightning, theft, storm, flood etc.
Some landlords require their tenants to have some form of insurance so take a look at Admiral's contents insurance for a rental property.
Start with a home or car and bundle others for a lower price. What if your laptop, tablet or one of your favourite electronics were stolen or damaged?
Admiral's tenants home content insurance protects all your important stuff, should the worst happen. Some insurers may not offer renters contents insurance which covers shared or communal spaces, but at Admiral we want to make sure that no matter what your living situation is, we can offer cover for your valuables.
Valuable items such as your bicycle, mobile phone, clothes and furniture are all important to you, which is why we now cover contents for those living in a shared home or flat. But do you know what the value of your contents is? Making sure you have the right level of cover is important — over-insuring could be costly and under-insuring could have consequences if you needed to make a claim.
Before getting a home insurance quote, make sure you have a good understanding of what your valuables are worth with our useful contents calculator. Imagine you spilt a drink on one of your favourite gadgets like your tablet or computer? Are they protected?
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