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Landlords, tenants and students typically have different insurance requirements to home owner-occupiers. This relates to the different level and types of risk they are exposed to.

Buildings insurance is required by landlords as the owner of the property, but is not required by tenants. However tenants and students may want to consider taking out cover for accidental damage. This could protect the deposit in the event of damage to the fixtures and fittings, such as burns and stains on the carpet.

Home contents ownership tends to be split between landlord and tenants or students in rental properties. Consequently the amount of cover required by each is less than that needed by an owner-occupier. By getting a quote from a specialist insurer both parties should be able to save money compared to a mainstream provider.

If you need more information to help you make a decision check out TheRateTart Guide to Home Insurance.
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