It is not a legal requirement for a landlord to insure the contents of a property but is instead down to personal preference.
Things such as carpets and curtains will not be covered on the building policy so a landlord may wish to insure those items if of high value. The remaining curtains, unless fully furnishing, are likely to be insured by the tenants as they will belong to them instead.
Many property portfolio owners who’s core business is providing fully furnished buy-to-let properties will often have contents cover to ensure additional cover for high value items.
Contents often insured by a landlord include.
- Washing Machine
- Tumble Dryer
If within your portfolio you do not provide any of these items, then there is no real need for contents insurance.