How tenant insurance providers compare
Premium is the least interesting difference between them. Excess, liability limit and single item cap decide what a claim actually pays.
The providers below are the ones UK tenants encounter most often. Prices are indicative for a one bed flat, 12,000 pounds of contents, single occupant, and will differ for your postcode. Where a link is marked, we earn a commission if you buy, and it costs you nothing extra.
Specialist tenant insurers
Home insurers with a tenant product
Comparison sites
Bank and building society add-ons
What to compare, in order
Excess
A 50 pound excess with a 12 pound premium beats a 5 pound premium with a 500 pound excess the first time a laptop dies.
Liability limit
Compare it against your deposit and the state of the flat. It is the number that decides whether a dispute becomes a claim.
Single item limit
Typically 1,000 to 2,500 pounds. If your laptop or bike is above it, you need it listed, not covered.
Escape of water wording
The most common tenant claim after theft. Some policies exclude damage from gradual leaks entirely.
How this comparison is built
We order by the cover a typical tenant needs, not by commission. We do not accept payment for placement. Commission on links is disclosed on the affiliate disclosure page.
Reviewed 29 October 2026. Information only, not financial advice.