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Tenants Contents Insurance - Why Do I Need It?

Although having Tenants Contents Insurance is optional, it is always best practice to have such a policy in place. A common misconception amongst many tenants is that they are covered by their Landlord's Insurance policy - this is not the case. The Landlord's insurance policy only covers the actual building and any contents which the Landlord has insured and provided for your use; your Landlord has no responsibility to replace any of your items. This is why you should ensure you have sufficient cover.

But why should I consider having such a policy in place if it is only "optional"?

Could you replace all your possessions after a small disaster? Having a good Tenants Contents Insurance policy in place has saved many tenants from traumatic loss after a major incident. In the event of fire, flooding, theft or another major incident, many tenants have lost all of their possessions with no way to replace them as they have had no cover in place.

Take a moment to look around your home just now; have you ever sat down and added up how much your belongings are actually worth? You could have a lot more in your home than you may think! Why not contact our Insurance Team and request a copy of our Tenants Contents Calculation Form? The total may surprise you! You can contact our friendly Team on 0845 345 0315 or email them at  

If you damage the Landlord's property (e.g. damaging the carpet or other fixtures and fittings) you could be liable to replace them. Can you really afford to do this? Leaseguard's Tenants Contents policy provides liability cover for up to £2,500 for accidental damage to your Landlord's property.

What can Leaseguard provide me with?

Leaseguard know how important it is to have an insurance policy that will protect your belongings should the unthinkable happen. That is why we have created a comprehensive and affordable Tenants Contents Policy.

Our policy includes:

  • Accidental Damage
  • New For Old Cover
  • Tenants Liability Up To £2,500
  • Replacement of Locks Following Loss of Keys up to £250
  • Frozen Food up to £200
  • Personal Money up to £200
  • Policy Excess of just £100



Optional Cover - Personal Possessions:

Think about the items you are likely to take out of your home with you everyday - your wallet, jewellery, MP3 player or even your laptop!

Here's a list of some personal possessions you may take out and about with you every day:

  • Laptop
  • Wallet
  • MP3 Player
  • Bank & Credit Cards
  • Handbag
  • Camera
  • Spectacles
  • Tablet PC
  • Watch
  • Musical Instruments
  • Portable Electronic Devices
  • Sports Equipment
  • Mountain Bike
  • Tools


'Why should I have Personal Possessions cover?'

A true case in point is a policyholder had a very expensive designer suit which he bought for his wedding, liquid celebrations were obviously fantastic and nearing the end of the night he tripped and fell, tearing both knees of his trousers, fortunately he had Personal Possessions cover in place and was able to claim for a new pair of trousers! Can you afford not to take cover for Personal Possessions outside your home?

Don't wait until it's too late! Click here to get a quote or call our friendly Insurance Team on 0845 345 0315!


Posted By Admin on Friday, October 14, 2011 | Type: Blog

Leaseguard Ltd Raise Over £1000 For Local Charity

Some members of the Leaseguard Team took part in a sponsored walk around Strathclyde Park on the 11th of September 2011 in aid of local charity, the Moira Anderson Foundation.

The team had set themselves a goal of raising £1000 and they are pleased to announce that they have smashed that target! To date the sum raised by Leaseguard is £1901 - much more than they had ever anticipated!

Leaseguard's Chairman, Richard Scott, commented "As Chairman of Leaseguard I am very, very proud of our staff who have a long record of supporting various charities both by efforts in house and various efforts outside. It has been our intention from the start to support small local charities who assist abused families and children and to do our best to be active members in our community."

The sum collected was presented to Sandra Brown OBE, founder of the Moira Anderson Foundation, and Anne Lawson-Taylor, Training & Development Officer, from the Moira Anderson Foundation on Tuesday 11th of October. The monies collected will help them carry on with the great work that they do.

Sandra commented "Over the years Leaseguard have shown such an enlightened attitude to the sensitive subject of child sexual abuse. Leaseguard have provided the foundation with consistent support over the years and such excellent support means our play, "One of Our Ain" and other training we do can now be accessed by more and more secondary schools. We believe raising awareness amongst the young with our school "Stay Safe" project is just as important as the other work we carry out"

The Moira Anderson Foundation believes that their role of providing community education about the sensitive issue of child sexual abuse is just as important as the support they provide survivors.

Sandra Brown added "Raising awareness of such a taboo subject is key to intervention and prevention"

If you would like to make a donation to the charity you can do so by visiting Leaseguard's JustGiving page, checking out the Moira Anderson Foundation's website or you can make a cheque payable to "Moira Anderson Foundation" and pop it in the post to the Leaseguard offices. You can find our contact details here.

Richard Scott said "What a wonderful response for all the efforts of a truly dedicated staff and their friends and families. I sincerely hope that more folk in the community will join us in support of such worthy causes in the future."

Leaseguard and the Moira Anderson foundation would like to thank everyone who sponsored the hardy walkers and runners!

MAF Prensentation 1

Posted By Admin on Wednesday, October 12, 2011 | Type: News

Advice for Beginners - Some Advice For New & Accidental Landlords

In every town and city in the UK more and more properties are being let out by private Landlords. Demand for rental properties has never been higher and as many people are failing to sell their property in this current economic climate they are stumbling into the rental industry - becoming "accidental landlords".

What do Landlords need to protect themselves and their investment? We can offer you, the Landlord, the following products and services.

Although the following are not legally required it is highly recommended that you have them in place to protect your investment.

Landlord Buildings Insurance

If you have a mortgage then it is highly probable that your mortgage provider will require that you have a specialist Landlord Buildings Insurance policy in place before you rent your property out. Remember, if your mortgage was set up on an owner occupied basis you will need to inform your provider that the property is now let out.

Landlord Buildings Insurance protects you from a wide range of eventualities such as:

  • Accidental Damage
  • Theft & Malicious Damage by Tenants
  • Property Owners Liability Cover
  • Alternative Accommodation for your Tenants following an Insured Peril
  • Loss of Rent following an Insured Peril

Landlord Buildings Insurance is something you should consider before ever letting your property out. You can obtain a no obligation quote here or call our friendly Insurance Team on 0845 345 0315

Landlord Contents Insurance

If you will be providing furnishings in your property for the use of the tenant then it is highly recommended that you have a Landlord Contents Insurance policy in place.

A policy like this will cover you from a wide range of eventualities such as:

  • Accidental Damage Cover
  • Theft & Malicious Damage by Tenants
  • New for Old Cover
  • Cover for Common Parts

Accidents happen and you cannot always afford to replace damaged or stolen furnishings; it makes sense to have a policy in place. You can obtain a no obligation quote here or call our friendly insurance team on 0845 345 0315

Tenant Referencing

You want to get the right tenant in your property first time round but how do you cut out some of the risk involved in choosing the right tenant? You should seriously consider carrying out a comprehensive Tenant Reference check.

Referencing your potential tenant is highly recommended. Carrying out a reference on your tenant before offering them the tenancy to your property can save you from months of heartache of attempting to get them back out if they turn out to be bad payers.

Remember! This property is your investment and even though we all like the personal touch you should remember that this is first and foremost a business transaction.

Find out more information about our Tenant Referencing here or you can contact our referencing team directly on 0845 345 1705 or by emailing

Rent Guarantee Insurance

You should strongly consider having a Rent Guarantee Insurance Policy in place. Although it is not a necessary policy to have it may prevent a lot of stress in the future.

Even with all the relevant checks in place Landlords must remember that the Tenant's circumstances can change very quickly. In this type of economic climate your tenant's financial situation can change overnight; a tenant reference may show that they can pay now but it cannot predict what their circumstances will be in future.

Therefore, it is advisable that you should consider having a combination of Tenant Referencing and Rent Guarantee in place. Using Tenant Referencing can look into a tenant's past, but it cannot predict the future.

For that reason, in order for Landlords to fully protect their rental income they need to combine Tenant Referencing and Rent Guarantee Insurance, which we can do for you here at Leaseguard.

Home Emergency

You have your buildings insurance and rent guarantee insurance in place, you've found the perfect tenant and everything is going great. Time to relax! Until you get that call at midnight…on Christmas Eve - the toilet's blocked and is overflowing!

As a Landlord it is your responsibility to deal with any repairs or maintenance; how can you find a reliable repairman? More importantly how can you avoid that unwelcome wake up call? With Home Emergency cover from Leaseguard!

With this cover you will be able to access a 3 way call system, day or night, which gives you instant access to assistance to resolve your emergencies quickly. Your tenant can contact the help desk directly - open 24/7, 365 days a year! No hassle for you! A fully trained, local tradesperson will arrive at an agreed appointment time with the tools needed to complete the job.


Plumbing & Drainage

Sudden failure of, or damage to, the plumbing and drainage system. This includes leaking pipes, blocked drains, water tanks and blockages in toilet waste pipes.

Gas & Electrical Supply

Sudden and complete failure or breakdown of the electrical or gas supply within your property.

Security & Glazing

Damage caused to external locks, doors and windows which render your property insecure.


Professional extermination and control of pests in your home including cellars and adjoining outbuildings.


Damage to the roof of your home caused by storm, fallen trees or branches. (This cover does not extend to properties within blocks of flats).

Primary Heating System (Optional)

Complete failure or breakdown of either the heating and / or hot water supply provided by your primary heating system.


Contact our friendly Insurance Team today on 0845 345 0315 or email them at to find out more!

Call Leaseguard Today!

Now that you know about us and what we do we would love to find out more about you! Contact us today to get a personal, no obligation quote and see what Leaseguard can do for you!

Contact our friendly team on 0845 345 0315 or email them at or simply click here to run through a quick online quote!

Posted By Admin on Thursday, October 6, 2011 | Type: Blog

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Rent Guarantee

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