Can a landlord insure contents in flats?

If you are acting as a landlord and are renting furnished accommodation it is possible to insure such contents with the buildings. The insurers will need to know the replacement cost of the contents and probably the maximum amount in any one flat if you have more than one. The cover on the contents may be more restricted than a normal household contents policy. This is because experience has shown that tenants’ level of care can often leave something to be desired! For this reason, accidental damage is not automatically included by many insurers – but you may be able to buy this for an extra premium. Also, there is often restricted cover for theft or malicious damage by tenants and/or an increased excess amount. You must bear in mind that this insurance is not an end of tenancy re-fit. If a flat is left in poor condition, the insurers will not consider this to be accidental or malicious damage insured by the policy.