Landlord contents insurance for flats is the section that carries most of the value on a let flat, because the structure is usually the freeholder's problem. Sizing it is a ten minute job done once, and skipping it is how a landlord discovers averaging on a claim for a ruined carpet.
Where the line falls, and who draws it
The lease decides what is demised to the flat and what stays with the structure, and leases differ on windows, internal fixtures and improvements made since the lease was granted. The insurer's wording then decides which side of the contents and buildings split the demised items sit on. Reading both once settles it.
What is usually landlord contents in a flat
Carpets and floor coverings, curtains and blinds, white goods, furniture in a furnished let, light fittings, and anything you replaced or upgraded that the lease does not treat as structure. On a furnished city flat the total is routinely several thousand pounds.
Doing the inventory once
Walk the flat, list what you supplied, price replacement rather than resale, photograph it. Use the total as the sum insured and keep the document with the tenancy file, where it also serves for deposit disputes. Update it whenever something is replaced.
Questions people ask about landlord contents insurance for flats
Do I need contents cover on a let flat?
Almost always, because carpets, curtains, white goods and any furniture are yours and the freeholder's policy does not cover them.
Who insures the windows?
It depends on the lease. Some leases demise the windows to the flat and some leave them with the structure.
How do I set the figure?
From an inventory priced at replacement cost. It doubles as deposit dispute evidence and takes about ten minutes.