Why do you need tenant insurance?

While a landlord is responsible for buildings insurance, your personal belongings aren't covered by their policy. Tenant insurance protects your possessions against theft, damage, fire, and other risks, giving you financial security and peace of mind.

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Have a question?

Scottfraser is an introducer appointed representative of Bode Insurance Solutions who will be able to provide a tenant insurance quote online.

What does tenant insurance cover?

  • Contents cover - Protection for your personal belongings, furniture, and electronics
  • Accidental damage - Cover for accidents that damage your belongings or the landlord's property
  • Personal liability - protection if someone is injured in your home or their property is damaged
  • Alternative accommodation - Should your rental become uninhabitable after an insured event
  • Tenant's improvements - Cover for any improvements you've made to the property with permission

Affordable protection

Our tenant insurance plans through our sister company Bode Insurance Solutions are designed to be affordable while providing comprehensive coverage. With flexible payment options and the ability to adapt your policy, you can ensure your belongings are protected without breaking the bank.

We recently worked with Vicky (Victoria Wacinska) during our property search and rental process, and we were extremely impressed by the level of service she provided from start to finish. Moving house can often be stressful, especially when coordinating viewings, paperwork, references, and timelines, but Vicky made the entire process smooth and straightforward. She was consistently professional, responsive, and proactive in keeping us informed at every stage. What stood out most was Vicky’s attention to detail and willingness to go the extra mile. She was always available to answer questions, explain procedures clearly, and follow up promptly whenever we needed assistance. Her communication was excellent throughout, and we always felt that she genuinely cared about achieving the best outcome for all parties involved. Vicky demonstrated a strong knowledge of the local property market and handled every aspect of the tenancy process with efficiency and professionalism. She remained patient, approachable, and supportive, even when dealing with more complex matters and tight deadlines. Thanks to Vicky’s hard work and dedication, our experience was far less stressful than it could have been, and we felt confident and well-supported throughout the entire journey. We would not hesitate to recommend Vicky to anyone looking for a knowledgeable, reliable, and highly professional property agent. Thank you, Vicky, for all your help and outstanding service.
Nga Man Poon
1 day ago

Tenant Insurance FAQs

While not legally required, many landlords strongly recommend or even require it in their tenancy agreements. Regardless of requirements, tenant insurance is a wise investment to protect your belongings and provide liability coverage during your tenancy.

Premiums typically start from just a few pounds per month, depending on factors like your location, the value of your belongings, and the level of coverage you choose. Our sister company Bode Insurance Solutions offer competitive rates with flexible payment options.

No, tenant insurance only covers the policyholder's personal belongings. Each flatmate should have their own policy to ensure their possessions are protected. Some insurers offer joint policies for couples sharing accommodation.

Most standard policies have per-item value limits. Valuable items like jewellery, electronics, or musical instruments over a certain value may need to be listed separately on your policy. Your advisor can help ensure your high-value items are properly covered.

If you need to make a claim, simply contact Bode directly using the details provided in your policy documentation. They'll guide you through the process, which typically involves providing evidence of ownership and details of the loss or damage.

Get a quote today

Through our trusted sister company Bode Insurance Solutions, we can help you find the right policy at the right price. Complete the form below for a no-obligation quote.

Disclaimer:

Leaders T/A Scottfraser is an introducer appointed representative of Bode Insurance Solutions (company no 03101637) Registered Address: Building 1, Meadows Business Park, Blackwater, Camberley, United Kingdom, GU17 9AB.

Bode Insurance Solutions Limited are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference 313541. You may check this on the Financial Services Register by visiting the FCA’s website https://register.fca.org.uk/s/ or by contacting the FCA on 0800 111 6768

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