Property coverage

Tenants and rental properties.

Your landlord insures the building. Your things, and your liability for the building, are yours.

What it covers

The parts worth getting right.

  • Contents, at home and in storage
  • Personal liability, including damage you cause to the unit
  • Additional living expenses if the unit is unlivable
  • Landlord policies for rented out properties

Commonly missed

Tenant liability is the part people miss. A kitchen fire that spreads is charged to you, and that figure is far larger than the contents.

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Worth knowing

Your landlord insures the building. The fire that starts in your unit is charged to you.

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Common questions

Asked most about this.

My landlord has insurance, why do I need my own?

Theirs covers the building and their liability, not your belongings and not the damage you cause to their property.

Is it expensive?

It is one of the cheapest policies on the market, and the liability half is the part that matters most.

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