You might need contents insurance as a landlord if you’re supplying furniture, fixtures and fittings for your tenants. For example, a landlord contents policy can help with freestanding sofas and beds, floor coverings and electrical appliances. You can generally expect the following to be covered either as standard or with an add-on: Furniture such as sofas and cabinets Kitchen appliances like ovens or sinksCurtainsCarpets Paintings and picturesLight fixtures Outbuildings such as sheds or outhousesGardens and any contents in the garden Communal areas, if you’re letting your property out to multiple tenants You might also be able to claim for alternative accommodation for your tenants if any damage to your contents renders the property uninhabitable.