The Challenges of Renting
It’s becoming more common for landlords to include insurance conditions in tenancy agreements. This often means tenants are responsible for certain aspects of the property, like fixtures, fittings, or liability. Our experienced team can advise you on the cover you need to meet these requirements. With Island Insurance, you can rest easy knowing we’ve got you covered.
Peace of Mind with Islands Insurance
With our Home Buildings and Contents Insurance, you can protect your belongings and get built-in cover for tenant liability. We’ve been providing insurance solutions for renters for years, so we understand your specific needs. Our coverage is broad and reliable, giving you the peace of mind that if the worst happens, you can count on us.
What’s Covered?
Building Insurance:
- Repair Coverage: Protects against damage to the structure of your home, ensuring repairs and replacements are covered when needed.
- Accidental Damage Protection: Covers fixed glass, ceramic hobs, and sanitary ware.
- Essential Services Protection: Includes damage to pipes, cables, drains, and underground services.
- Leak and Access Coverage: Up to £10,000 for finding and fixing leaks from pipes or heating systems.
- Alternative Accommodation: Up to £75,000 or 25% of the rebuild cost if your home becomes uninhabitable.
- Public Liability Cover: Up to £5 million to protect you if someone else is injured on your property.
Contents Insurance:
- Accidental Damage: Protects the contents in your home.
- Theft Cover: Protects unspecified personal belongings worldwide up to £5,000 total, with a £2,000 limit per item, including things like mobile phones when traveling.
- Outdoor Coverage: Protects contents in your garden up to £5,000.
- Financial Security: Up to £1,000 for money in your home and up to £10,000 for unauthorised credit card use.
- Replacement of Food: Covers the cost of replacing food in a fridge or freezer if spoiled by a temperature change.
- Key and Security Cover: Up to £1,000 for lost or stolen keys, including replacement of locks and security systems.
- Special Events Coverage: Automatically increases your contents cover by up to £5,000 for events like weddings or birthdays.
Benefits of Our Prestige Policy:
- More Financial Protection: Higher cover for money, up to £5,000, and £25,000 for credit cards.
- Student Belongings: Automatic coverage for students’ belongings, including accidental damage—ideal for families with children in university, whether they’re in the UK or abroad.
- Delayed Baggage Cover: No more worries about travel delays; we cover delayed baggage so you’re not left stranded.
- Garden Contents: Covers items in your garden up to £10,000, giving you peace of mind for your outdoor spaces.
Note: If your contents sum insured is over £100,000, you automatically receive the benefits of our Prestige Home policy.
Why Islands Insurance?
We offer top-tier protection with a personal touch. We’re here to help you every step of the way, making sure you get the best coverage for your needs.
Understanding Our Policy
You can download all the documents for Premier or Prestige Home Buildings and Contents Insurance here. This will allow you to access all the important details without any confusion.