At Aviva, we understand that for most things in life, one size doesn’t fit all. And the same can be said about insurance. The home insurance you need when renting differs from the home insurance you need when you own a home. We offer contents only cover for renters, and can tailor this to suit your specific needs.
Why do you need renters insurance?
Whether you own it or not, the house or apartment you live in is your home. We all want to protect the belongings that make our house feel like our own special space. Your landlord will more than likely have buildings only insurance, meaning nothing inside of your rented home is covered should anything happen. It’s up to you as the tenant to get renters or tenants insurance to protect your belongings.
Renters insurance is also known as contents insurance. There are plenty of instances where you would be relieved to have contents cover in place - if there was a fire in your home, flooding or a burglary you would be insured against damages or losses to your belongings.
What is covered with renters insurance?
Your contents cover will include household goods like:
- Artwork and ornaments
- Sofas, beds and linen
- Bookshelves and books
It also includes belongings such as:
- Clothes and shoes
- Laptops, TVs and phones
- Cash of up to €400
A good way to think of it, is insurance that covers items you would normally take with you when moving home. We offer contents cover on a ‘new for old’ basis. This means that, in most cases, we will replace stolen or damaged items with new items.
There are a number of special features and discounts that are included as standard with contents insurance. You can find these here, including help in a home emergency, loss of visitors’ personal belongings and the loss of a credit or debit card.
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Terms and conditions, limits and exclusions apply. Offer subject to minimum premium of €115 for contents.
Home insurance is underwritten by Aviva Insurance Ireland DAC.
Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office One Park Place, Hatch Street, Dublin 2.