Contents Insurance vs Landlord Insurance
A plain-English comparison of two GeraSure policy lines — what each covers, what it excludes, typical annual premium, and how to choose.
Quick Answer
Contents Insurance typically costs £60–£250/yr and Landlord Insurance typically costs £200–£900/yr. Contents Insurance has the lower entry premium, but the right choice depends on what you need to protect — read the coverage below.
Contents Insurance
Contents-only insurance for renters and homeowners who want to protect their possessions without insuring a building they do not own. Covers belongings against theft, fire, flood, and accidental damage.
- Avg annual premium
- £60–£250/yr
- Type
- property
- Available in
- 4 markets
Landlord Insurance
Specialist insurance for private landlords renting out residential property. Covers buildings, loss of rent, landlord liability, and optional legal expenses.
- Avg annual premium
- £200–£900/yr
- Type
- property
- Available in
- 2 markets
What each policy covers
Contents Insurance covers
- ✓ Furniture, electronics, clothing, and appliances
- ✓ Theft — including burglary
- ✓ Fire and smoke damage
- ✓ Flood and water damage
- ✓ Optional: accidental damage
- ✓ Optional: away-from-home cover (personal possessions)
Key exclusions
- ✕ Buildings (structural elements)
- ✕ Vehicle contents
- ✕ Business equipment above policy limit
- ✕ Wear and tear
Landlord Insurance covers
- ✓ Buildings insurance for rented property
- ✓ Loss of rent (if property uninhabitable after insured event)
- ✓ Landlord liability (injury or property damage claims from tenants)
- ✓ Optional: contents (landlord's furnishings)
- ✓ Optional: legal expenses (rent arrears, eviction proceedings)
- ✓ Optional: rent guarantee insurance
Key exclusions
- ✕ Deliberate damage by tenants (check policy limits)
- ✕ General maintenance and wear and tear
- ✕ Unoccupied properties beyond policy's void period
- ✕ Tenant's personal belongings
Where each is available
Contents Insurance is also offered in Germany, France where Landlord Insurance is not.
Frequently asked questions
Is contents insurance more expensive than landlord insurance?
Based on GeraSure's average annual premium ranges, contents insurance typically costs £60–£250/yr and landlord insurance typically costs £200–£900/yr. Contents Insurance usually has the lower starting premium. Your actual quote depends on your risk profile, location and cover level.
Do I need contents insurance as a renter?
Your landlord's insurance covers the building — it does not cover your personal belongings. Contents insurance protects your possessions and is strongly recommended for all renters.
Is landlord insurance a legal requirement?
Landlord insurance is not legally required in the UK, but standard home insurance is invalidated when you rent out your property. Without landlord insurance, you have no buildings cover and no liability protection.
More insurance comparisons
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.