Tenants Insurance

Introduction

Household Insurance for Tenants in rented property has always been difficult to arrange and cover is often restricted and premium rates higher than normal.

West Country Property Services Limited is an Appointed Representative of Letsure Limited, which is authorised and regulated by the Finacial Services Authority and whose registration number is 313817.   Through this arrangement we provide specialist insurance policies at very competitive premiums. 

Tenants not only need their own possessions insured but also have a potential liability for the Landlord’s contents, buildings, fixtures and fittings.

Letsure Gold Tenants Contents Insurance provides the widest cover available at a competitive premium.

Contents cover

The main features of cover are

• Cover on the Tenant’s contents for all the usual risks of damage by Fire, Explosion, Lightning, Earthquake, Riot, Malicious Damage, Storm, Flood, Burst Pipes, Theft, Impact and Subsidence.
  
• Optional extension for Accidental Damage. This extension provides cover for damage arising from an unexpected or unintentional cause.
  
• Accidental Damage to radio receivers, televisions, audio equipment, computers, mirrors and glass.
  
• Theft of keys, spoilage of food in deep freezers, loss of oil and metered water.
  
• Occupiers Liability and Personal Liability.
  
• Loss of personal money and credit cards.
  
• Cover for up to £2,500 in respect of Accidental Damage to the Landlords contents, fixtures, fittings and buildings for which the Tenant is responsible.
  
• Additional costs of Tenants alternative accommodation up to 20% of the selected sum insured following fire or other insured peril.

Personal belongings cover

This section is only available in conjunction with Contents Cover. The main features of personal belongings cover are:

• Loss or damage to the Tenants clothing and personal effects while in the UK, Republic of Ireland, Channel Islands and Isle of Man and while temporarily elsewhere in the world, for not more than 60 days in any year of insurance.
  
  Unspecified cover is available for items with individual values of less than £1,000. Items over £1,000 and pedal cycles over £400 can be specified and separately insured.

Note: All claims are subject to a £100 excess

Premium payment

The premium can be paid in full by cheque at the commencement of the cover or monthly by direct debit. If you wish to pay this premium monthly by direct debit an interest rate of 5% (9.1% APR) applies.

Payment can also be made by credit/ debit card when calling Quoteline.

How do I make a claim?

All claims must be notified in writing by submitting a completed claim form within 30 days of an incident or damage occurring.

Claim forms can be obtained from Letsure.