Landlord contents insurance provides cover for any of your belongings that are in the rental property. So if you’re renting out a property part-furnished or fully-furnished, that might mean any wardrobes, tables, white goods, sofas and beds that belong to you will be covered. It also includes curtains and carpets. Standard cover would pay out, up to a maximum amount, if they are damaged, destroyed or stolen.
More comprehensive cover can include if tenants cause damage to your home or belongings by accident or intentionally. General wear and tear and when belongings come to the end of their useful life aren’t covered by landlord insurance.