Renters and Tenants Insurance

Up to £100,000 cover with contents insurance for renters, available with 3-year fixed price

Whether you own your own property or are living in rented accommodation, it’s important to know your personal belongings are protected against damage or loss.

Saga’s 5-star Defaqto rated contents insurance for tenants provides peace of mind that your favourite things are covered, wherever you make your home.

Cover and benefits	Saga Select	Saga Plus
Contents cover up to £100,000
New for old replacement of items if they can't be repaired
Cover for your liability as a tenant	Up to £5,000	Up to £15,000
Accidental damage cover for sudden and unexpected damage to the contents in your home that you own, including TV, spectacles, rugs, curtains, and more	Optional
Replacement of matching pairs or sets if we can't repair or replace individual items to match
Damage to your contents by pets
Cover for food and drink kept in your fridge or freezer	£500	Up to sum insured
Personal belongings covered outside the home (Up to £2,500 per item)	Optional	£10,000
Legal Expenses to cover legal costs from an unlawful eviction or material breach of a tenancy agreement	Optional	Optional
3-year fixed price - if your policy details stay the same you can expect to pay the same price for 3 years, even after most types of claim (T&Cs apply)

Cover and benefits

Saga Select

Saga Plus

Contents cover up to £100,000

New for old replacement of items if they can't be repaired

Cover for your liability as a tenant

Up to £5,000

Up to £15,000

Accidental damage cover for sudden and unexpected damage to the contents in your home that you own, including TV, spectacles, rugs, curtains, and more

Optional

Replacement of matching pairs or sets if we can't repair or replace individual items to match

Damage to your contents by pets

Cover for food and drink kept in your fridge or freezer

£500

Up to sum insured

Personal belongings covered outside the home (Up to £2,500 per item)

Optional

£10,000

Legal Expenses to cover legal costs from an unlawful eviction or material breach of a tenancy agreement

Optional

3-year fixed price - if your policy details stay the same you can expect to pay the same price for 3 years, even after most types of claim (T&Cs apply)

More from Saga Home Insurance

Does each tenant need rental insurance?

If you share a house, tenants contents insurance can be a bit tricky, and your premium might be higher if you live in a house, flat share or nursing home due to the number of people going in and out of the property.

If you need contents cover for room only you can call us on 0800 015 0521.

How do I get renters insurance?

Renters insurance is simply contents insurance for people who are renting a property rather than owning their own home. Along with the guide to renters insurance we’ve provided here, you can find out more about Saga Plus and Saga Select contents insurance and get a quote online, or for room only cover call us on 0800 015 0521.

Find out more and get a quote for renters insurance.

Is water damage covered by renters insurance?

For any tenant a flooded house can range anywhere on a scale from inconvenience to disaster. Renters insurance will protect you for damage to your belongings from fire, smoke, lightning, explosion, earthquake, storm, flood and smudging because of fixed oil-fired central heating. So if a pipe bursts or a drain overflows and your belongings are damaged, renters insurance has you covered and can provide alternative accommodation while any repairs are done.

What’s the difference between a tenant and a renter?

When you rent a property to live in, you’ll probably be asked to sign a tenancy agreement that makes you a tenant of that property. So in practical terms, when you’re looking at house insurance for a rental property the terms tenant and renter are interchangeable.

When should I take out renters insurance?

If you’re planning to move into a rental property, it’s best if you have cover in place before you make the move, so that your belongings will be covered from the outset. If you’ve already moved, you can still take out renters insurance at any time during your tenancy.

Find out more and get a quote for renters insurance

See all home insurance FAQs