A quick search of the world wide web offers many results of companies offering building and contents insurance. Along with major players like Liberty Mutual or State Farm, numerous websites offer quotes and comparisons between all known providers on one page. Seek out sources like Compare the Market, Landlord Insurance-dot-net, and many others.
If your policy states "Building Only", then you have no coverage for the building contents such as carpet.
One may find information on buildings and content insurance at the website for AXA Insurance. One may also find general purpose information on the site "Money Saving Expert".
You may find tenants contents insurance coverage at a variety of insurance companies in the UK, such as Aviva, Churchill, Barclay and many more. There are many websites available that compare each company to find the best solution within your budget.
moneysupermarket is a website that helps people find cheap, affordable home insurance. Persons may also request a quote from over 95 insurance companies.
The purpose of obtaining Landlord Contents Insurance is to protect the landlord from damage or loss caused by tenants. This insurance may cover appliances, fixtures, and furnishings.
Landlords contents and communal contents may be insured, but it is very unlikely that the tenants personal items would be included on a general buildings policy.
A lot of insurance companies may claim to be the cheapest. The best way to find out which company is really the cheapest is to get a quote from each.
One may get insurance for the contents of their house while living in the UK through Barclays. They provide home insurance as well as content insurance and offer free quotes online.
The typical terms of a building insurance policy would include such things as flood insurance, fire insurance and insurance covering anyone who may be injured at the building.
"Home building insurance is insurance that covers the materials of a home while it is under construction. Generally it may cover
Basic contents (non-scheduled) provides coverage for household furnishings and fixtures. Scheduled contents can cover anything you choose to schedule for coverage. It may be best to contact your insurance agent and ask if your computer is covered under your basic contents or if you need it to be scheduled for coverage.
From an insurance perspective the landlord should have coverage on the building and the tenant should have coverage on his/her contents. Legal liability may be a different issue depending on the circumstances of the fire.