Posted on January 29, 2011.
Keith Grillot says...
Carpets, wallpaper and even doors sometimes are not part of the buildings insurance that your landlord will have.
If you have taken on the house with carpets etc. already in there, then contents insurance is a must. The landlord would be nuts NOT to make you get it.
The divide between contents and buildings insurance is a tricky one, just check out the review boards like http://www.noclaimsbonus.co.uk/reviews/ to see hosts of people who have bought either type and not been covered for what they thought they were.
Like others have said, it's good to have anyway, but in this situation, if you're using items that are the landlords which are not covered by his buildings insurance then it will be your responsibility as the landlord is not really obliged to insure your TV and Stereo. You're using his carpets and doors, he's not using your TV and Stereo ... well, not as far as you know anyway!
Posted on January 29, 2011
My landlord IS insisting I get happy insurance.