Editorial guide
Best landlord contents insurance (furnished lets)
Landlord contents covers items you own in the let: furniture packs, carpets you fitted, white goods you supply.
Reviewed by LetCompliance Editorial TeamLast reviewed April 17, 2026
Not financial advice. Insurance is a regulated product. Compare quotes from FCA-authorised firms. LetCompliance does not sell insurance.
Who this is for
Furnished and part-furnished ASTs, HMO room lets with shared kitchens.
Must-have cover points
- Room-by-room inventory with values
- Theft and malicious damage extensions where needed
- Clarity that tenant-owned goods are excluded
Watch out
High-value items
Single-item limits may cap laptops or bikes; specify high-risk items.
How this compares
Tenant contents
Tenants need their own renters insurance for personal possessions.
FAQs
Are carpets buildings or contents?
Often treated as landlord contents if not structural; check policy definitions.
Do I need contents in an unfurnished flat?
Only for items you retain (e.g. integrated appliances sometimes under buildings).
Related compliance
Insurance sits alongside licensing, safety certificates and tenancy compliance.
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