Contents insurers built for renters, with tenants' liability included as standard.
Tenants' liability included as standard
Monthly rolling or annual, your choice
Cover you can move, when you move
Rated 'Excellent' on Trustpilot
Renters Insurance for everything your landlord doesn't cover
Why choose Ripe for renters insurance?
Ripe has spent more than twenty years building specialist cover for people the mainstream market treats as an afterthought. Over 400,000 policyholders, rated 'Excellent' on Trustpilot, and a UK team who will explain your policy in plain English. Renters insurance is that same idea, applied to the people who rent their home.
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Liability cover as standard
Spill wine on the carpet or crack the hob and you are the one who pays. Tenants' liability covers accidental damage to your landlord's fixtures and fittings, so your deposit stays where it belongs.
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Priced for renters
Your landlord insures the building and any items they provided. So we cover what you actually own, the things which what matters most to you.
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Flexible cover which can move when you do
Change address, or end your cover when your tenancy ends. Renting means moving, and your policy can change with you (admin fees may apply).
You own your things. You don't own the walls.
Your landlord insures the building and any items they provided, that is where their cover stops. The laptop you work on, the bike in the hallway, the sofa you finally finished paying off: none of it is theirs to insure, so none of it is covered.
There is a second gap, and it catches more renters than the first. Your tenancy agreement makes you responsible for accidental damage to the things your landlord does own. The carpet. The worktop. The bath panel. When that bill arrives, it usually comes out of your deposit.
Most renters assume they do not own enough to bother insuring. Then they add it up. More than three in five people who say cover is not worth it turn out to own over £5,000 of stuff.
What does renters insurance cover?
Renters insurance by Ripe covers your belongings and your liability as a tenant. Here is exactly what is in, what you can add, and what is not included.
Your belongings inside your rented home, against fire, theft, flood, escape of water and vandalism
Tenants' liability for accidental damage to your landlord's fixtures, fittings and furniture, up to £10k
Personal liability to third parties, up to £2 million
Alternative accommodation if your home becomes unlivable
Housemates on the same tenancy agreement
Accidental damage to your own things
Worldwide cover for portable items taken out of the home
Bicycle cover
Legal expenses
Higher limits for individual valuable items
Term-time address cover for students
The building itself, that is your landlord's insurance
Wear, tear and damage that was already there
Deliberate or criminal damage
Long periods with the property empty
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What is tenants' liability insurance?
Half of UK renters have never heard of it, which makes it the most useful thing on this page.
Tenants' liability covers accidental damage to things that belong to your landlord: fixtures, fittings and furniture. A glass of red across a fitted carpet. A cracked bath panel. A washing machine hose that works loose and soaks the kitchen floor.
Without it, that money comes from somewhere. Usually your deposit. Sometimes your own pocket, if the repair costs more than you paid in.
With Ripe, tenants' liability is included as standard on every renters policy. It is the reason this product exists rather than plain contents insurance.
How much does renters insurance cost?
From £4 a month
Rolling monthly cover. Cancel when your tenancy ends, no exit fee.
Pricing subject to your address, cover level and what you are insuring.
From £49 per year
Pay for your cover annually.
Pricing subject to your address, cover level and what you are insuring.
Renting a student house?
Shared student houses are a different proposition. More people through the front door, more expensive kit in the bedrooms, and a tenancy that runs to the academic year rather than a calendar one.
Cover for your term-time address, and your things when you take them home
Built for shared houses, where theft risk is higher and nobody is quite sure whose speaker that is
Cover which can end when your tenancy does, so you are not paying over the summer
What do you need to get a quote?
Setting up a policy through Ripe is quick to do. To speed things up, have the following to hand:
Your personal details such as address, date of birth and occupation
Roughly what your contents are worth
Any single items worth over £2.5k
Whether you want cover for items taken out of the house
Renters insurance FAQs
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There is no law that says you must have it. Some tenancy agreements make it a condition, so it is worth checking yours.
The practical question is different: if everything in your room or flat vanished tomorrow, could you replace it out of savings? For most renters the honest answer is no, and that is what contents insurance is for.
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No. Your landlord insures the building and anything they own inside it, such as a supplied sofa or white goods. Their policy does not cover your possessions and it will not pay out to you.
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Make a change to update the policy. No cancellation, no new policy, no gap in cover. Admin fees may apply.
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We can only provide cover for you, your spouse/partner, and any immediate family members who live with you. If the property is an HMO, it is generally more appropriate for each resident to have their own contents insurance policy. This allows everyone to insure their belongings separately and helps avoid potential issues around claims, policy ownership, and the handling of personal information.
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Inside your home, yes, as standard. Outside it, you will want out-of-home cover, which is an optional extra. Bikes have their own optional cover because they are stolen far more often than anything else you carry.
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We offer rolling monthly cover, depending on purchase method and availability. Excludes purchases made under credit agreements
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If you rent a house or flat privately with other students, this is the same product with a tenancy that fits the academic year.
If you live in halls, it is worth checking what your accommodation provider already includes before buying anything. Many bundle a basic level of cover into your rent.