Defaqto 5 Star rated home insurance

Contents insurance for renters

Protect your belongings both home and away

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Aviva Home Insurance has been awarded an overall rating of 4.6/ 5 from (821 reviews)
Aviva Home Insurance has been awarded an overall rating of 4.6/ 5from (821 reviews) customer reviews

What is renters insurance?

Our 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.

Benefits of renters insurance

  • Unlimited total sum insured

    While there are limits for single items, if your property has five bedrooms or fewer, there’s no limit to the overall amount we’ll cover your contents for. If you’ve got six or more bedrooms, we’ll work with you to fix your cover at an appropriate amount

  • Personal money

    We’ll cover up to £3,000 for cash, travel tickets, gift vouchers, and phone cards

  • Moving home

    Tell us your new address to check we can still cover you and then you'll be covered when a professional removal company is helping you move to your new home

Knowledge centre

Browse through our reading list of articles in your own time and start building the foundations in your home insurance knowledge.

Find out more

What does renters insurance cover?

Its 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

  • Unlimited contents cover
    There’s no limit to the total value we’ll insure your belongings for. Your contents – including valuables up to a single item limit of £2,000 – are protected from loss or damage caused by fire, theft or flooding.
  • Your garden
    We offer up to £12,000 of protection for the things in your garden against theft and vandalism, (Conditions apply). So don’t worry – your garden gnomes are covered.
  • Cover for Outbuildings and Garages
    Cover contents in garages and outbuildings within property boundaries up to £7,500.  (Conditions and Limits apply)
  • Contents temporarily removed from the home
    If your things are temporarily elsewhere in the British Isles (except in a furniture depository), your contents are protected from loss or damage caused by fire, theft or flooding, up to £12,000. But if you need more wide-ranging protection, our extra personal belongings add-on will make sure you're covered anywhere in the world.
  • Frozen food
    If your freezer breaks, or you accidentally turn it off, you’re covered – we’ll replace all your ice cream. And everything else that was in there too up to £1,000.
  • Matching items cover for contents
    We'll cover the cost of replacing undamaged items in a set such as matching furniture suites (conditions apply), if we're  unable to provide a matching replacement (up to the contents and personal belongings limits).
  • We'll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced.
  • Damage due to wear and tear or breakdowns is not covered. Accidental damage is an optional cover.  Cover allows for refurbished mobile phone to be provided as replacement.

 

What’s not covered

  • Wear and tear, and the cost of repairing breakdowns
  • Theft of unsecured bikes from your garden. Unless your bike was securely locked to an immoveable object, it’s not covered against thieves
  • Motorised vehicles, aircrafts, caravans, or watercrafts of any kind. They’ll need to be insured separately

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.

  • Extra personal belongings cover

    We offer optional extra personal belongings cover that you can add to your policy, which gives your possessions more protection against the unexpected.

    This protects individual items up to £2,000. And even if you take your belongings away from home, we’ll cover you for theft, accidental loss, and damage worldwide.

    If you want to cover more expensive items worth over £2,000, we can also help out.
  • Optional accidental damage

    This is an optional extra that you can add to your policy. While your standard cover protects you against things like fire and theft – accidental damage cover goes much further. We offer two levels of cover – 'Limited' and 'Extra':
  • 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.

Read our Insurance product information document (PDF 82 KB)

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. 

Ready to get cover?

Get a 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.

How our claims process works

Whatever happens, we’re here when you need us – online and over the phone.

Step 1 of 3

Keep your documents handy

To make a claim, you’ll need your insurance policy number, any photos of the lost or damaged items (if you have them), and any related receipts, quotes or invoices.

Step 2 of 3

Let us know

You can make a claim over the phone or online if you’re registered for MyAviva.

If there’s been an emergency, eg your home isn’t secure after a break-in or it’s not safe to stay there following damage, get in touch with us as soon as you can.

Step 3 of 3

We’ll respond quickly

When you make a claim online between 8am-6pm Monday to Friday, we'll aim to contact you within 2 hours to take the details and explain what happens next. Outside these hours, we may not be able to contact you until the next working day. 

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.