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Home Insurance · For renters

Renting your home: protect what's yours and stay worry-free

The property belongs to the landlord, but what's inside is yours: your furniture, your electronics, your things. With tenant home insurance I cover your contents and your civil liability — the one your rental contract usually requires — with a simple, affordable, tailored policy.

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Personal advice · Same-day reply · No extra cost for my advice
How I work with you
  • ✓ I review your rental contract and tell you what cover it requires
  • ✓ I adjust contents and civil liability to what you actually have
  • ✓ My advice never costs you more

What it is and why you need it.

It's the insurance built for you if you live in rented accommodation. Unlike the landlord's insurance — which protects the property — yours protects what's yours and what you're responsible for: your belongings against fire, water damage, theft or breakages, and your civil liability as a tenant — damage you might cause to the landlord's property or to third parties.

It's simpler and cheaper than a landlord's policy, because you're not insuring the building, only what's actually yours to insure.

How I work: we look at what you have and what your rental contract requires, and adjust the contents sum insured and the civil liability cover so you're covered without paying more than you should.

What's covered

Main coverage.

Tenant's civil liability

The most important cover: it answers for you if you cause damage to the landlord's property or to third parties, such as a leak that damages the flat below.

Your contents: furniture and belongings

Furniture, appliances, electronics, clothes and belongings against fire, water damage, theft and breakages.

24-hour assistance

Emergency locksmith if you're locked out, plus emergency plumbing, electrical and glazing work.

Theft away from home (optional)

We can add cover for robbery outside the property if you're interested.

Do I need insurance if I rent my home?.

By law, it's not compulsory. But your contract may well require it: many rental contracts include a clause requiring at least civil liability cover. And even if it isn't required, it's worth having: if you cause damage, you pay out of pocket, and if a claim damages your furniture, without insurance you simply lose it.

My advice: review your contract with me; I'll tell you exactly what cover you need — no more, no less — to meet it and feel at ease.

Who insures what when you rent?.

The landlord insures the building: the property, the walls, the fixed installations. You, as the tenant, insure the contents — your furniture and belongings — and your civil liability. That way, each of you covers your own part and you don't pay for what isn't yours to cover.

If instead you're the one renting out a property you own, Rental Home (Landlord) is the right product for you.

Home Insurance Range

Choose the home insurance that fits you.

Tenant Home protects people who live in rented accommodation. If your situation is different, here's the rest of the range.

Home Protection

Complete everyday protection, with 24h assistance.
Owners of a primary residence or second home.

Discover this policy →

Home Premium

Everything in Protection plus All-Risk Accidental cover and higher limits.
Anyone who wants maximum cover.

Discover this policy →

Home Senior

Full cover plus priority attention and social guidance.
People over 60 (or their children).

Discover this policy →

Rental Home (Landlord)

Rent default, tenant damage and legal defence.
Owners who rent out their property.

Discover this policy → For tenants

Tenant Home

Your belongings and your civil liability as a tenant.
People who live in rented accommodation.

See this option →

See all insurance policies

I manage more policies beyond these: self-employed, civil liability, homeowners' associations and other types of cover. Browse the full catalogue or just ask me directly about yours.

See full catalogue →
MA
Micol Astorri
Insurance advisor
Why work with me

Why take out your Tenant Home with me.

  • ✓ Personal, close service: you always talk to me
  • ✓ I review your rental contract and tell you what cover it requires
  • ✓ I adjust contents and civil liability to what you actually have and need
  • ✓ I'm there for you if a problem comes up
  • ✓ My advice never costs you more

Registered with the Spanish Insurance Distributors Registry (DGSFP) no. C0133X4340072H

About me →
How to get covered

Your Tenant Home in three steps.

1

Tell me your situation

What you have at home and what your contract requires, by phone, WhatsApp or the contact form.

2

I prepare your tailored proposal

With contents and civil liability adjusted to you. I explain it all clearly.

3

We activate it

You rent with what's yours protected. And I stay by your side for whatever you need.

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn't here, write to me and I'll answer personally.

What does home insurance for tenants cover? +
It covers your contents — furniture, appliances, electronics and belongings — against fire, water damage, theft or breakages, plus your civil liability as a tenant. It usually also includes 24-hour assistance.
Do I need insurance if I rent my home? +
Not by law, but many rental contracts require at least civil liability cover. It's also highly recommended: if you cause damage, you're liable, and without insurance you'd also lose your furniture in a claim.
What's the difference between what I insure and what the landlord insures? +
The landlord insures the building (the property and fixed installations). You, as the tenant, insure the contents and your civil liability. Each of you covers your own part.
Does it cover a leak I cause that damages the flat below? +
Yes, through the tenant's civil liability cover, which answers for damage you cause to third parties or to the landlord's property.
Does it cover theft of my belongings? +
Yes, theft of your contents inside the property is covered. If you'd like, we can also add cover for robbery away from home. Read more in this article on home insurance while on holiday →
Is it expensive? +
No. Since you're not insuring the building — that's the landlord's responsibility — it's a simple, affordable policy. The price depends on the value of your contents and the civil liability cover you choose.
Can I take my insurance with me if I move to another rental? +
Yes. Since it protects your contents and your liability, the policy adapts to your new home when you move. Just let me know so I can update the details.
What happens if my rental contract says nothing about insurance? Do I still need it? +
Even if your contract doesn't require it, it's still worth having: if you cause damage to the property or to a neighbour, you'd have to pay for it out of your own pocket, and without insurance you'd also lose your furniture and belongings in the event of a fire, theft or a leak.
Does the insurance cover my belongings if I share a flat with other people? +
Yes, it can cover your share of the contents (what belongs to you) within a shared flat. Tell me how the flat is organised and we'll adjust the sum insured to what's really yours.
What happens if I forget to turn off a tap and flood the flat below? +
That situation is covered by your civil liability as a tenant: if your own oversight causes damage to the landlord's property or to a third party (such as the neighbour below), the insurance answers on your behalf.
How much contents sum insured do I need if I live in a rented home? +
It depends on what you have at home: furniture, appliances, electronics and clothing. I'll help you make a realistic estimate so the sum insured matches what you actually have, without overpaying or falling short.
Does the insurance cover my laptop or phone if they're stolen in the street, away from home? +
The basic contents cover protects your belongings inside the property; theft away from home is an optional cover we can add if you're interested.
What happens if the landlord requires a specific insurance policy and mine doesn't meet the requirements? +
We'll review together what your rental contract requires (usually civil liability cover) and adjust your policy so it meets exactly those requirements before you present it to the landlord.
Can I insure just civil liability without contents cover? +
Yes, the policy can be adjusted to what you need: if your contract only requires civil liability, we can focus on that cover, although I'd always recommend also considering protecting your belongings.
Does the insurance cover damage I cause to the flat itself, not just to third parties? +
The tenant's civil liability cover mainly protects against damage to the landlord's property or to third parties arising from your activity at home (such as a leak or a small fire). I'll explain the exact scope according to your policy.
What happens if my belongings are already covered under my parents' home insurance? +
Your parents' home insurance normally covers their own home, not yours if you live in a rented property at a different address. It's usually the case that you'll need your own policy for the flat where you actually live.
Does tenant home insurance cover bicycles or scooters kept in the entrance hall or storage room? +
They can be covered as part of the contents if properly declared, although these communal spaces usually have a specific sum insured different from that of the inside of your home. Let me know and we'll review it.
Do I need to make an inventory of my furniture to take out the insurance? +
It's not compulsory, but I'd recommend making a rough estimate of the value of what you have so the sum insured can be set correctly. A photo inventory will also be very useful if you ever need to file a claim.
What happens when the rental contract ends? Does the insurance cancel itself automatically? +
It doesn't cancel automatically: if you move to another rented home, the usual approach is to update your policy details so it keeps covering you at your new address. You just need to let me know.
Can I have this insurance if I live in a sublet room? +
It can be adjusted to your situation, although it's worth reviewing the details of your sublet agreement to see what civil liability and contents you're responsible for insuring. Tell me your specific case and I'll guide you.
Let's get started

Protect what's yours, your way.

Tell me what you have at home and what your contract requires, and I'll prepare a clear proposal, no obligation and no extra cost for my advice.

Request a quote → Message me on WhatsApp