Contents Insurance for renters

If you rent your home, our Contents Insurance can help you repair or replace the things you own if anything happens to them. Here’s a rundown of what we cover.

With our flexible contents cover, your contents sum insured can be tailored to suit you. So, you can get enough to meet your needs - with cover of up to £50,000, £75,000 or £100,000.

Whether it’s a spilt drink or a bit of clumsiness, a split second is all it takes for your gadgets to go kaput.

We’ll cover the cost of repairs for accidental damage to TVs, tablets, consoles or laptops, so you can get back to work, playing games or watching your favourite shows asap.

Tenants Liability covers you for accidental damage to your landlord’s property, so your deposit doesn’t need to be used to pay for repairs.

Tesco Contents Insurance comes with Tenants Liability up to £10,000, so you get all the protection you need when you’re renting.

We’ll cover damage to the structure of your building, fixtures, fittings and interior decorations.

You can find out more about Tenants Liability Cover in our essential guide.

Tenants Liability Insurance: a guide for renters

We’ll cover up to £2 million if you, or a member of your family, legally have to pay compensation for causing: accidental damage to any property other than the place you’re renting and living in.

We’ll pay for you to stay somewhere else if your home isn’t safe to live in.

Films and music you download can cost a lot of money, so they’re included in our standard cover - up to a value of £2,000.

If you have some prized possessions - art, antiques or expensive jewellery you keep at home - they’ll all be covered as standard.

If you have a home office and use it for admin, clerical or child-minding work, your office equipment and furniture - including your computer, printer and scanner - will be covered up to £10,000.

We’ll give you extra contents cover worth £7,500 during special events, like weddings, Christmas and other religious holidays. And you won’t have to do a thing, it’ll happen automatically.

Whether you own or rent a house, the garden’s part of your home. That’s why we give you cover up to £1,500 for anything you own outdoors - from garden furniture and barbecues to the clothes on the washing line.

We also give you cover up to £2,500 for plants - covering loss or damage to your trees, shrubs, plants and lawns.

We’ll cover loss or damage to personal items up to a value of £5,000 - if the items belong to either you or a member of your family - when they’re in halls of residence or any other term-time accommodation in the UK.

You can choose optional extras to boost your cover for an additional premium.

Monetary levels, excesses and exclusions apply. For full details of cover and exclusions, please check the policy documents.

You can add these optional extras for an additional premium, so your cover meets your individual needs.

You'll get our standard cover, plus protection against things like:

Our Contents Insurance doesn’t just cover your things in the place you’re renting. If you’re a tenant or renter, you can protect your prized possessions - like a necklace, handbag or a set of golf clubs - from loss, theft or damage while you're away from home.

For personal belongings valued at under £2,000, you can choose additional cover of between £1,000 and £10,000.

If you normally carry or wear anything worth £2,000 or more when you're out and about, you can tell us about it when you arrange your contents cover. That way, you’ll know that any item you specify - whether it’s your engagement ring, your watch or camera - is protected.

You can cover as many specified items you like, as long as:

You'll be covered wherever you are in the UK (including in the house you rent), and for up to 60 days when you're abroad.

If you rely on your bike to get to work, go on rides in your spare time or on family days out, you might want help to protect your bike.

Our optional bicycle cover gives you and your family cover for lost, stolen or damaged bikes wherever you are in the UK, and for up to 60 days when you're abroad - up to £3,000 per bike, and up to £5,000 in total.

Family Legal Guard provides cover of up to £100,000 for legal fees and costs - to help you, or a member of your family who usually lives with you, to: claim compensation, or to pursue, and, in some cases, defend, your legal rights or their legal rights.

Family Legal Guard is underwritten by AmTrust Specialty Limited.

Monetary levels, excesses and exclusions apply. For full details of cover and exclusions, please check the policy documents.

Once you’ve bought your policy, you can sign in securely to Your Insurance Account.

That’s where you’ll get your documents. And you can also manage your policy online.

With Your Insurance Account, you can:

Tesco Home Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.

Family Legal Guard is underwritten by AmTrust Specialty Limited.

Before you buy your Tesco Home Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.