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KNOWLEDGE BASE

How to set up your Home Insurance

1 Insure your personal belongings

When renting, you only need to insure your personal belongings, not the property itself, which is insured by the landlord. This is called “Home contents insurance”.

You can usually choose the total value of the belongings that are insured. Most insurers will insure a minimum of £30,000, but always check before committing to anything.

You will also want to check the insurance policy for items such as:

  • Jewellery
  • Art
  • Bicycles
  • Computers

which tend to be treated differently and separately by insurers.

Please be aware that, unless specified in you tenancy agreement, Home contents insurance is not obligatory for tenants.

2 Get quotes from various suppliers

There are various platforms where you can compare providers and get quotes:

You can also check out these providers’ websites directly (these are the ones we like, but there are many others):

Be prepared to answer a number of questions about your property, such as roofing, type of locks on doors and windows, proximity to water, all of which must be provided as accurately as possible, otherwise the insurance policy may be invalidated. In doubt, ask the landlord or estate agent to help you with these.

3 Complete your insurance online

You can set up your home insurance on the selected insurer’s website, or by calling them.

To complete your home contents insurance, you will require the following information (at the very least) :

  • Your first and last name
  • Your marital status
  • Your date of birth
  • Your address in London
  • Your move-in date
  • The total value of the belongings you wish to insure
  • A list of specific items you wish to insure separately, if you wish to do so.
  • A UK credit/debit card details in order to set up payment arrangements

You can set up your Home Insurance in advance, but most providers require a UK bank card for the payment, which makes it tricky for expats before they have moved to London!

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