
What is renters insurance?
Renters insurance keeps your belongings covered in case of things like theft, fire, and flooding – from your record collection to the sofa you managed, somehow, to get up the stairs. It also covers cash and even the food in your freezer.
And, if you move home, you can simply take your cover with you – all you need to do is let us know your new address, and we’ll keep it rolling.
As a renter, you probably won’t need to worry about buildings insurance – protecting the structure of the property will usually be your landlord’s responsibility.
What does renters insurance cover?
It's what is inside your home and garden, including valuables, cash, and home office equipment, is covered against loss or damage by things like fire, theft, and flooding.
But – we can’t cover every eventuality. Make sure you understand, and are comfortable with, what isn’t covered.
What’s covered
What’s not covered
You can take a look at our full policy details to see the full details of what's covered and what's not.
What's optional – extra cover if you need it
Choose optional add-ons at an additional cost to create cover that suits you.
- Limited cover insures you against accidental damage to non-portable home entertainment equipment, mirrors, and glass in furniture (like in cabinets or coffee tables)
- Extra cover insures almost all of your contents if they’re damaged accidentally – so no need to panic if you spill that glass of red on your cream sofa
To add this to your policy, simply select the add-on when you get your quote.
Take a look at our Insurance product information document for more information about the extras available.
Do I need renters insurance?
You’re not required by law to have it – whether you do or not is completely up to you. But, your belongings won’t be covered by any insurance that your landlord holds, that’ll only protect the things that they own, like any furniture or appliances they’ve provided for you. So, protecting your valuables is probably a good idea – that way if anything happens, you know you are covered.
Policy add-ons
Tailor your policy with our add-ons and get extra cover for your home and belongings.

Protected No Claim Discount
Protect your No Claim Discount (NCD) and you can make up to two claims in five years without losing any of your hard-earned NCD.

Legal services
Get expert legal advice for a range of issues, from employment law to property disputes, with our 24-hour legal helpline and up to £100,000 in legal costs per claim for you, your domestic partner, and any family members living with you.

Extra personal belongings
Additional cover for your belongings in and away from your home, both in the UK and worldwide. Including, but not limited to, personal money and credit cards.

Accidental damage
Choose between two levels of cover, either ‘extra’ and ‘limited’, to protect items in your home from accidental damage, such as your home entertainment equipment.

Pedal cycle cover
Feel confident pedalling anywhere in the world with extra cover from loss, theft or damage for bicycles used by you and your family.
Ready to get cover?
Get an Aviva Signature contents insurance quote in minutes. Whizz through in less time than it takes to finish your cup of tea.

How much cover wil I need?
If you've ever been burgled or flood damaged, you'll know how important home insurance is. We all have valuables and expensive items at home we want to protect, from gadgets and jewellery to furniture and food.
Important documents
Home insurance knowledge centre
Browse through our reading list of articles in your own time and start building the foundations in your home insurance knowledge.
Still need help?
If you’ve still got a question, find out how to get in touch on our contact us page.