There are two distinct areas of covers as far as landlords are concerned. For instance some policies cover contents in communal areas. These can be construed as furniture, carpets, rugs, mirrors, tables and letter boxes. In addition, there is also landlords contents cover which maybe offered as an optional extra and applies to those who let out furnished accommodation. The level of cover in this scenario is likely to be higher and will include additional items provided by the landlord.

It is likely that most landlord providers will also offer the option to insure contents against accidental damage, although the premiums may be very high given the risks involved.

Before deciding whether to buy a landlords insurance policy consider what would happen if contents were damage by tenants and find out if your policy would cover this.