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When you rent a furnished property, you may be responsible for insuring the landlord’s furniture and other contents.
We can cover up to £10,000 which includes accidental damage to your landlord’s household goods, furniture and furnishings within the insured address.
This means that if the landlord's property is stolen or damaged accidentally whilst in your care, we will cover the costs up to a maximum of £10,000.
Landlords, accommodation providers and letting agencies are likely to hold you accountable for any costs for theft or damage to their property and many of them now ask their tenants to have some liability insurance in place. If your privately rented flat, house or shared accommodation is fully or partly furnished, tenant's liability will make sure you can afford to cover the cost of replacing or repairing your landlord's contents.
We will pay, at our discretion direct to the landlord, up to the amount shown in your schedule, for sums which you become legally liable to pay as damages under the terms of a formal tenancy agreement in respect of:
If you purchase Essentials Product Insurance from Cover4Insurance, we will send you an email confirming your purchase of cover and provide you with your personal essentials insurance policy schedule, policy wording and policy summary documents. You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid. We also provide the option below for you to view and download the Essentials Insurance Product — Policy Wording and Policy Summary documents, so that you can view prior to purchase or at any time after.
The essentials insurance policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the
Adobe website or visit Access Adobe for help.To view your documents, please click on the links below:
| Policies Purchased after 04/08/2026 | Policies Purchased After 01/11/2025 | |
 Policy Wording | Claims Form | Policy Wording† |
| Policy IPID† | Policy IPID† |
For all claims except Legal Expenses claims:
Please fill in a claims form: Make A Claim
Cover4insurance will deal with all claims. You must refer all correspondence and telephone enquiries to cover4insurance.com at the following address:
Cover4 Insurance Claims Team,
Davies Group Ltd,
PO BOX 2801,
Stoke on Trent,
ST4 9DN.
Telephone: +443450308105
Please include the following details:
All claims for theft or loss must be reported to the police.
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.