By using this website, you agree to our use of cookies to enhance your experience.
Graham Awards


Are tenancy agreements being broken by uninsured renters?

A survey of 1,000 tenants suggests that only around half have contents insurance.

Nationwide, which conducted the poll, says the contents of an average rental property amounts to £25,126; only 52 per cent of tenants said they had contents insurance.

Nationwide says the 48 per cent without any contents cover suggests the equivalent of 2.13m households across the UK. 


Close to a fifth of renters mistakenly believe it is the landlord’s responsibility to arrange contents insurance, while others avoid cover as a way of reducing their monthly outgoings. 

The building society claims that this lack of awareness around home insurance cover could also leave many renters in breach of tenancy agreements as a third said they didn’t know if it was stipulated in their contract that contents insurance is required. 

According to the research, some landlords are starting to clamp down on tenants, with 39 per cent being required to arrange contents insurance and over two thirds of landlords asking to see proof of contents insurance before they could sign their tenancy agreement.



Darren Black, head of general insurance at Nationwide Building Society, says: “It’s concerning that many renters don’t have contents insurance and are living under the mistaken belief that their landlord has cover in place to protect their belongings if they are lost, stolen or damaged. 

“They could also be putting their tenancy at risk as many landlords stipulate that they must have cover in place as part of their tenancy agreement. When finances are tight, insurance can seem like an unnecessary expense, but without it you could end up losing everything you own.”

Want to comment on this story? If so...if any post is considered to victimise, harass, degrade or intimidate an individual or group of individuals on any basis, then the post may be deleted and the individual immediately banned from posting in future.

  • icon

    I know of 2 house fires this week where the occupants lost everything but did not have contents insurance - it is a false economy in anyone's book.

    However....is it not breaking the law under the Tenant Fees Act to insist tenants take out contents insurance?


    I have aways only insured against life changing catastrophes and not insured contents etc. for well over 40 years, saving tens of thousands on insurance of contents that could be replaced for less than £10k in any property except my main home.

    Contents insurance can be a false economy if you can afford not to have it.

  • icon

    We don't insist on tenants getting contents insurance but always have insurance for Landlords contents. Surely this is all we need and the tenant is responsible for themselves and their belongings. We do make it clear that we are not insuring their contents though as I believe one cannot assume tenants will know that.

  • icon

    The lease should spell it out. Up to tenants to read it.

  • icon

    It's tenants lose if they don't take out contents insurance

  • icon

    Probably not having contents insured for LL or Tenant unless you are that claims culture.
    I used have on my own house some years back but when I did have cause to claim a couple of times, the forms were so onerous they went in the bin & claims never made, pointless did I not have enough stress already.

  • icon

    We have landlords insurance (i.e. buildings) which includes landlords contents - and always tell our tenants it's up to them to insure their own contents as they won't be covered by us. If they don't get it then that's their problem if anything happens. Never had any complaints so far...


Please login to comment

MovePal MovePal MovePal
sign up