Top 10 Insurance Do's and Don't for tenants

• Don’t assume the landlord’s insurance covers your own personal belongings


• Do consider cover for accidental damage you may cause to the landlord’s property, fixtures and fittings


• Don’t leave the property unlocked or with open windows as it may cause you – and the landlord – a problem if you are broken into


• Do make sure landlord’s furniture meets the fire and health & safety regulations


• Don’t forget to secure insurance for your own belongings such as computers or MP3 players, a bike or a Playstation


• Do understand what happens and who you call in an emergency such as flood or fire


• Don’t try to fix a problem yourself such as leaking pipes or problems with the boiler. Always check with the landlord and/or letting agent


• Do take reasonable care of the property so the landlord can’t make a claim against you


• Don’t forget to keep a list and ideally pictures of all your belongings so that you can make a claim more easily if you lose or break anything.


• Do check that all electrical appliances have been tested by an electrician or certified as safe by the landlord/letting agent