This is the contract most landlords and banks ask for, and the one that gets used most: water damage, fire, broken glass, burglary. The logic differs for tenants and owners — a tenant insures what they own and what they might damage, an owner insures the building as well.
What it covers
- The building, for owners
- The contents: furniture, fitted kitchen, appliances, clothing
- Water damage, fire, storm, broken glass, theft
- Private liability, usually included
- Outbuildings: garage, annex, garden shed
What the contract can include
- Owner cover: the building and the contents
- Tenant cover: contents and liability towards the landlord
- A lighter apartment cover, quick to take out
- Private liability included
- Car and home with the same insurer, with a discount
What we need from you
- The exact address and living area
- The number of bedrooms
- An estimate of the contents value, kitchen included
- Tenant or owner, and the start date you want
- A copy of your ID card
