Updated October 2026 · Fraser Bond
Landlord insurance
Do Landlords Need Contents Insurance?
Furnishedlets
Unfurnished
Tenants'cover
Getcover
In short: Landlords should insure the contents they provide: furniture, appliances, carpets and curtains. Tenants insure their own belongings. Fraser Bond can help landlords get contents cover.
Furnished vs unfurnished
Furnished lets need fuller contents cover. Even unfurnished lets usually include carpets, curtains and white goods worth insuring.
Accidental damage
Standard cover may exclude accidental damage by tenants; consider adding it.
Property insurance through Fraser Bond
- Landlord buildings and contents cover
- Rent guarantee and legal expenses cover
- Property owners' liability
- Rebuild cost checks so you are not under-insured
- Cover placed with FCA-authorised insurers and brokers; we explain what is and is not covered before you buy
How it works
1
Tell us about the propertyType, rebuild cost, tenancy, and any claims history.
2
Compare coverWe explain the options and what each policy does and does not cover.
3
ArrangeCover is placed with an FCA-authorised insurer or broker.
4
RenewalWe remind you before renewal so you can review cover and price.
Frequently asked questions
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Browse every guide in The London Landlord's Hub → · London area guides →
Handy tools
Stamp duty calculatorRental yield calculatorMove-in costsBTL deposit calculatorRefurb cost per m²
Free rental valuation
Find out what your property could let for.
Get startedFind out what your property could let for.
Does my buildings insurance cover contents?
No, contents are separate.
Can I make tenants buy contents insurance for my items?
No. Tenants insure their own items.
Need contents cover?
Send us the address and what you need. We will arrange a visit or call and give you a written quote.
Ask about coverOur property services
