There has been a spike in the number of people choosing to rent rather than buy in Ireland in recent years. Even as tenants it’s vital to protect yourself against risks. Hence, contents insurance is available. This type of insurance covers the tenant’s belongings within the home such as laptops and jewellery etc.

The contents which you choose to insure should include all of the items that you would bring with you if you were to relocate to a new home. This would include personal belongs (i.e. Jewellery), furniture (i.e. A bed), electrical items (ie. A laptop) and household white goods (i.e. A fridge). In order to value your contents effectively, it’s a good idea to walk around your house from room to room in order to calculate the cost of replacement.

Many homes rented to tenants are fully furnished, as a tenant you are not responsible for the items that were already within the home when you moved in. Contents insurance is designed to extend beyond the items supplied by the landlord. Contents insurance is exclusively related to your own personal property.

You are not legally required to have content’s insurance as a tenant in Ireland. However, it is always beneficial to protect yourself from risks. Additionally, some landlords may include this requirement as a stipulation of renting their property so it’s imperative to read your rental contract in full.

Yes, tenants, contents and renter’s insurance are all the same type of coverage and is dependent on the items that you wish to insure.