Top renters and contents insurance compared

About Top renters and contents insurance compared

Renters insurance covers the things you own inside a rented flat, and it is the cover most often bought alongside a home and contents policy. This ranking sets 75 brands side by side, from brokers and insurers to the comparison sites that gather quotes in one place. The main trade-off for readers is price against how much help you get when something goes wrong. A broker can widen the choice of insurers behind one quote, an insurer handles your claim directly, and a comparison site leaves you to pick the policy yourself. Entry prices in this category sit at a median of €8.92, with the lower quartile at €4.38 and the upper quartile at €65.77. Every brand below sells renters cover, so the differences come down to who underwrites the policy, what the entry price looks like and how you get help.

How we picked

Every brand here was scored on three things, weighted as follows: trust at 40%, cost at 35% and offer at 25%. Trust covers the kind of company behind the policy, the legal entity named on its paperwork and the support channels a customer can reach. Cost looks at the entry price signal for the brand against the spread of prices across the category. Offer looks at how much the brand actually sells in this category, and how its cover, payment options and claims routes fit renters needs. Figures come from each brand's own insurance pages, terms and conditions, company or regulatory pages, and from published company information, so a number here traces back to where the brand states it. Partners are listed first, and the remaining brands follow in score order. Brands that do not sell renters cover at all, or that sell it only as an add-on to another policy, sit lower down the list because a reader comparing contents cover wants it offered on its own terms.

Our top picks

1. 2. Vuso UA

   Vuso UA is in this ranking because it underwrites its own policies and is aimed at expats who have just moved country, something few others here do. It is an insurer, PrAT Insurance Company VUSO in UA, trading since 2001, and the cover limit is listed at Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited), with the excess running from €0 to €50 across its range. Renters cover sits with auto, travel, health and home, so a tenant who has just moved country can keep several lines with the same company. The trade-off is the claims route, which is phone only, and the age range on its medical product is narrow, covering children at the youngest ages and adults in an older band. Support is wider than the claims route, reaching phone, email and chat. LOVYS FR, ranked next, is a broker in France with the broadest support list in the field.

   • Insurance types: Auto, Travel, Health, and 2 more
   • Provider type: Insurer
   • Excess from: €0 to €50

   Pros

   • Insurer rather than a broker, so cover comes direct from insurer
   • One provider spans auto, travel and health
   • Excess starts at €0 to €50
   • Support covers phone, email and chat

   Cons

   • Claims are handled by phone alone, on phone
   • Voluntary medical insurance is limited to children and older adults

What to look for

What kind of company sells the policy

Brokers compare insurers for you, insurers underwrite the cover themselves, and comparison sites gather quotes across the market. In this ranking, insurers make up 44% of the field, brokers 32% and comparison sites 24%. Decide which of those you want before you compare prices.

The entry price and the spread around it

The lowest price a brand advertises is only one signal. In this ranking, entry prices span €0 to €335.87, with €4.38 at the lower quartile and €65.77 at the upper quartile. Anything at the top of that range deserves a second look.

Whether the cover is sold on its own

Contents cover is sometimes a standalone policy and sometimes bundled with buildings cover. Home cover appears alongside renters cover for 93.3% of the brands here, and landlord cover for 37.3%, which tells you how many also handle the property side.

How you pay and how you claim

Monthly payment plans are the norm in this category, with 96.4% of brands offering them. Claims routes matter as much as premiums: phone support reaches 91.4% of the field and a help centre 90%.

Which extras come with the contents cover

A contents policy often rides alongside other lines such as gadgets, travel or home emergency cover. Gadget cover appears at 20% and home emergency at 14.7%, useful if you want one policy to cover more than your possessions.

Who the policy is written for

Some brands here are aimed at particular households rather than at every tenant. Seniors are the audience for 77.3% of the field and expats for 31.8%, which may or may not match your own situation.

Frequently asked questions

Top renters and contents insurance compared by country

• Australia
• Canada
• France
• Germany
• Ireland
• Italy
• Netherlands
• South Africa
• Spain
• United Kingdom
• United States

The data behind this ranking

All data and the CSV