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Landlord and tenant: who insures what in a rented home
Two policies are needed and neither covers the other side. The gaps sit in fixtures, liability and rent.
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Buildings, contents, accidental damage and the claims that get refused.
21 articles · updated August 11, 2026 · page 2 of 2
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An empty house stops being fully covered sooner than you expect
Most home policies restrict cover once a property has been left unoccupied for a set number of days. The clause is short and it is…
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Single-article limits are where jewellery quietly falls out of cover
A contents policy with a large sum insured can still refuse most of the value of one ring. The limit that matters is per item.
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Personal possessions cover follows you; contents cover stays at home
A contents policy insures things inside the house. The moment they leave with you, a different section of the policy has to respond.
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Rebuild cost is not market value, and the gap runs both ways
The buildings sum insured has nothing to do with what the house would sell for. Confusing the two produces the wrong figure in both…
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A storm has a definition, and a windy night may not meet it
Storm damage claims fail more often on the definition of storm than on the damage itself. Insurers apply a test with three separate…
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Locks and alarms become conditions the moment they earn a discount
Security discounts are not rewards for good habits. They are priced on the assumption that the security is specified, working and…
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Trace and access pays to find the leak, not to rebuild around it
Water damage cover pays for what the water ruined. Finding the pipe that leaked is a separate benefit with its own limit.
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The liability section of a home policy is the part nobody buys deliberately
Most people buy home insurance for the house. The section that could matter most protects you from what you owe somebody else.