Renters insurance

Contents cover for people who rent


Insure your home and be in with a 1 in 7 chance of winning back your annual premium

If you take out NatWest home insurance between 8th May and 16th July, you will be entered into a draw where you could win back the cost of your annual home insurance premium.

New policies, UK residents & over 18’s only, policy must be active at time of draw, T&Cs apply. See how your data will be used in conjunction with this prize draw. 

Why choose renters insurance?

You could get a quote in less than five minutes

You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)

You can tailor your policy with optional add-ons and choose how much your contents are insured for (from five values).

The details

Core cover

Sum insured (how much your contents are insured for)

Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.


No deductions for wear and tear, as these will be replaced new for old. Mobile phones are replaced with Grade A refurbished.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, the cost of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered for up to 20% of your ‘sum insured’.

Downloaded content

Claim up to £1000 to replace content you’ve paid for and downloaded onto your home computer, laptop, mobile phone or any other portable device.

Money in your home

Lost or stolen cash, cheques and vouchers are covered up to £500.

Optional extras

Accidental damage

This covers your possessions if they’re damaged suddenly, unexpectedly and unintentionally when they’re in your home.

Personal possessions cover (outside your home)

You’re covered for up to £2,500 for accidental loss or damage to any possessions you wear or carry with you (e.g. jewellery, mobile phone, bicycle) when you’re out and about. It’s valid when you’re in the British Isles, when you’re overseas for a total of up to 60 days in any one policy year, and can cover your possessions in a bank or safe deposit box.

Legal protection

This covers any legal expenses you incur and the costs of your defence if any legal action is taken against you up to £100,000. It doesn’t include disputes about rent or tenancy renewal but it does include disputes about your tenancy agreement.
graphic of house on stack of coins

Switch your home insurance

When you switch to NatWest home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, you'll need to fill in some personal details and information.

Tailor your policy

Select how much you need your building insured for and if you want any optional extras.

Review and apply

Review your details and your quote. If you’re happy with everything, then you can apply.

All okay? Start your quote

It could take you less than 5 minutes.

Please read this important information: What you need to know about NatWest (PDF, 63KB) or request a paper copy before you get a quote.

Moving in together? Our tips can help

When you're setting up home, our guide can help you work out how to share costs, set up the legal side of things and more.

Be bill savvy with Housemate

Want to take the hassle out of house sharing? With Housemate by NatWest, you can split household bills and pay each other back. You could also build your history with our partner Experian when you register your rent payments with the app. It’s free and you don’t have to bank with NatWest to use it.

Something else we can help you with?