When you rent a flat, are you obliged to take out personal insurance for your belongings or is it optional?
Answers:
you are not obliged to have contents insurance, but you must have buildings insurance.
I thought it was required to take out buildings insurance, but not for contents insurance.
I guess if the flat is furnished then they might require you take out insurance to make sure their furniture is safeguarded. But if its unfurnished then i dont know why.
Best idea is to read your contract carefully, if it doesnt say anything in there, then you dont have to.
It should be optional. If not, it should be in your contract. If it's not - then contac the CAB to get a definative view.
Never heard abt this rule.
Why don't you call ERA or HSR, or some real estate companies to find it out?
i dont know where you live but her in california it is optional.
It is optional unless there is a clause written into your contract to say you must have. Do you pay your own buldings insurance, if not it's probably why they want you to have extra insurance
Well, its thier flat so they can make up the rules. You choose to accept, or move on.
It might be a way of confirming you are a responsible person. Most people have contents insurance.
Usually you only have to take out contents insurance if the property is furnished, so you cover the landlords things. However I believe this should really come out of the high rent you are usually paying. I would check the rental agreement and see if its in there, if it is you will have to get some insurance. The building insurance will be the responsibility of the landlord.
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