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Can I insure my tenant's contents on my landlord insurance policy?

No. You can only insure your own contents on your landlord insurance policy. Your tenants must take out their own insurance should they wish to protect their contents.

The reason for this goes back to one of the principal rules of insurance, which is that the entity that is being insured must be owned or directly effect the person who is taking out the insurance contract.

If this rule is not strictly adhered to, the insurance contract can develop a moral hazard and end up more like speculation/gambling.

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