Separate the building and your property
Tenant policies can address personal belongings and personal liability, with terms and limits set by the insurer. Ask about additional living expenses if a covered loss makes the rental unusable. Check specific item limits for jewellery, electronics or bicycles rather than assuming all belongings are covered without restriction.
Choose realistic limits
Make a room-by-room list of belongings and estimate their replacement cost. Compare the same deductible, liability limit and water-related options across quotes. Our tenant category is a rough budget only; it does not know the value of your possessions or the exact building risk.
A first-apartment inventory
List a laptop, furniture, clothing, kitchen equipment and other belongings room by room. Their combined replacement cost may be higher than expected. Ask a provider how much contents and liability protection a tenant policy provides and whether water losses or temporary accommodation require particular options.
Quick check
- List belongings
- Check liability
- Ask about water and living expenses
General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.