Shared house contents insurance: What you need to know
Protecting your belongings in a new home or shared property is important (even if it doesn’t sound exciting). Here’s a guide to the main types of insurance you might consider when renting a room or flat.
Shared contents insurance
If you’re living in a shared property, shared contents insurance is usually the best option. It typically covers:
- The contents of your room if something is lost, damaged, or stolen
- Damage caused by fire, floods, or other accidents
- The landlord’s fixtures and fittings, which can also help protect your deposit
Note: This type of insurance may not cover items elsewhere in the house or outside, such as bicycles. Always check the policy details to make sure your possessions are covered where you need them to be.
Get a free Shared contents insurance quote
Student possessions insurance
Designed specifically for students, this type of insurance is ideal for:
- Halls of residence
- Rented shared housing
Policies usually cover the contents of your room, as well as personal electronics like laptops and mobile phones. Some providers even offer fast replacement for essential items, such as laptops or phones, which can be useful for study and lectures.
Get a free Student possessions insurance quote
Gadget insurance
If you have multiple gadgets, it may be cheaper to insure them separately. Gadget insurance typically covers:
- Up to ten devices on a single policy
- Loss, theft, or accidental damage
- Fast replacement options in some cases
This type of policy is especially useful if you own high-value electronics or travel frequently with your devices.