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Affordable tenant insurance with Bode

We've got you covered whether you're just starting out in your rental journey or you're a seasoned tenant. We're passionate about ensuring tenants like you have the protection you need. Not only do we safeguard your contents and personal belongings.

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insurance cover

So, what exactly is included in our tenant insurance?

Our policies are straightforward, effective, and affordable. They include Contents Cover and Tenant Liability Insurance. This means you're covered if you accidentally damage your landlord's property. Not having Tenant Liability cover could leave you personally responsible for repairs to items like furniture, fittings, and fixtures in case of accidents.

Meanwhile, our specialised Contents Cover offers peace of mind. If your personal possessions are lost, stolen, or damaged, rest assured you'll have the means to repair or replace them. With us, you can rent with confidence knowing you're protected every step of the way.

Contents Insurance (whilst in the home) covers:

  • Personal items
    Including clothing and jewellery

  • Soft furnishings
    Including bedding, curtains, and cushions

  • Electrical items
    Including TVs, games consoles, mobile phones, and speakers

  • Personal furniture
    Such as beds, sofas and tables

Tenants Liability Insurance covers:

  • Accidental damage
    To your landlord’s furniture, fixtures and fittings if you are liable under the terms of your tenancy agreement

*Subject to terms and conditions, please see the policy wording for more detail.

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How the Renters’ Rights Bill could affect tenants November 6th

How the Renters’ Rights Bill could affect tenants

With its Renters’ Rights Bill that’s recently been introduced to Parliament, Labour is going further than the Conservatives did in their Renters (Reform) Bill when it comes to strengthening and improving tenants’ rights in England.
Home insurance vs. Landlord insurance: What’s the difference? September 26th

Home insurance vs. Landlord insurance: What’s the difference?

If you’re new to being a landlord, you might wonder why landlord insurance is necessary instead of your standard home insurance. At Bode, we’re here to clear things up!
Does your door lock affect your insurance? September 16th

Does your door lock affect your insurance?

When obtaining a quote for your home contents insurance, you have to provide information about the property itself. That includes the age and construction, the number of rooms, what doors there are to the outside and security measures.
How long can a landlord leave you without heating in the UK? September 9th

How long can a landlord leave you without heating in the UK?

As a tenant, your landlord’s responsibilities extend beyond providing shelter; they must ensure you have access to essential amenities, including heating and hot water. This isn’t just good practice - it’s a legal requirement.
Top 5 things tenants should know to help ensure a successful claim August 20th

Top 5 things tenants should know to help ensure a successful claim

Having an insurance policy and paying your premium does not automatically guarantee that your insurer will pay out when you make a claim.
How the Renters (Reform) Bill will affect tenants May 13th

How the Renters (Reform) Bill will affect tenants

The Renters (Reform) Bill has now gone through the House of Commons and is currently at the second reading stage in the House of Lords.
Fire safety – what are tenant’s and landlord’s responsibilities? March 19th

Fire safety – what are tenant’s and landlord’s responsibilities?

One of your landlord’s most important health and safety responsibilities is around fire safety.
Can a tenant redecorate their rented home? February 20th

Can a tenant redecorate their rented home?

Although many people still think of renting as being a temporary housing solution, the reality is that increasing numbers of tenants are living in the same property for several years, with many relying on the private rental sector to provide a long-term home.
Tenants’ responsibilities for avoiding damp in their rented home January 12th

Tenants’ responsibilities for avoiding damp in their rented home

There are lots of different sources of damp in a rented home all of which can damage the property and result in mould growth, which is not only unsightly, but, in some cases, can be damaging to your health if the mould spores are inhaled.
Top 5 tips for tenants this Christmas and through winter December 19th

Top 5 tips for tenants this Christmas and through winter

The colder, darker months, combined with festive activities, bring a number of extra risks that tenants need to be mindful of over Christmas and into the new year.
How to protect your information if your phone or laptop is lost or stolen November 20th

How to protect your information if your phone or laptop is lost or stolen

A survey carried out on 1,000 smartphone owners by mobiles.co.uk showed that, on average, people will lose two phones in their lifetime.
Going away for more than 30 days? Why your rented home won’t be insured October 30th

Going away for more than 30 days? Why your rented home won’t be insured

One of the conditions of your landlord’s insurance is likely to be that the property must not be left unoccupied for more than 30 days – and possibly less than that during the winter months.
Top 5 tenant insurance claims and how to avoid them September 20th

Top 5 tenant insurance claims and how to avoid them

Tenants often mistakenly believe that if their possessions are damaged or stolen while they’re in the property, their landlord is responsible for compensating them and will be able to claim on their own landlord insurance policy.
What to do if your rental home has been burgled August 15th

What to do if your rental home has been burgled

While the number of burglaries in England and Wales has been on a downward trend for the past 20 years, there were still 275,919 carried out in the year 2022/23, according to the ONS – that’s an average of over 750 a day, with January tending to be the peak month.
Renters (Reform) Bill – tenants with pets and what insurance will cover July 19th

Renters (Reform) Bill – tenants with pets and what insurance will cover

A year on from the Government publishing its White Paper on rental reform, the Renters (Reform) Bill has at last begun to make its way through Parliament.
Help! What tenants should do in an emergency June 19th

Help! What tenants should do in an emergency

No matter how well-maintained your rental home is, there’s always the chance that something could go wrong.
Checklist for tenants – what insurance will and won’t cover May 10th

Checklist for tenants – what insurance will and won’t cover

As a tenant, it’s well worth considering taking out contents insurance, as the landlord’s insurance will not typically cover your own possessions.
Why tenants should consider insurance for their rental home April 27th

Why tenants should consider insurance for their rental home

As a tenant living in a rental property, you might assume that your landlord will have insurance for accidental damage and also that they would be responsible for replacing any of your possessions if they were damaged or stolen through burglary, fire, flooding, etc.
How much do rental insurance costs vary and why? March 14th

How much do rental insurance costs vary and why?

Often, tenants think that if their belongings are damaged while they’re living in a rental property, their landlord’s insurance will cover the cost of repairing or replacing them.
Tenants, don’t rely on your landlord’s insurance – it may not cover what you think! February 22nd

Tenants, don’t rely on your landlord’s insurance – it may not cover what you think!

As a tenant, you might assume that if anything goes wrong with the home you’re renting, such as damage from storms or flooding, your landlord is responsible for taking care of you – finding you somewhere else to live if the property is uninhabitable and compensating you for any damage to your possessions

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