IMAGINE coming home and finding that the burglars have been. Unfortunately, this is all too common a scenario and one that often ends in tears as too many people neglect to take out the necessary insurance. However, tenants have the easiest time when it comes to shopping around for the best value home insurance policies to protect their hard-earned possessions. There's no need to worry about insuring the house, flat or bedsit because you don't own it. Tenants only have to worry about finding the best contents deal. The guidelines for tenants seeking home insurance for their possessions are exactly the same as for owner-occupiers - except if you are on housing benefit, living in a shared house or a student. But if you are a mainstream tenant - a family renting a house or flat - the normal off-the-shelf policies available from all the major underwriters apply. They make no distinction whether you own the home or not. The simplest way of deciding what to insure is to look at everything you would take with you if you moved. It may take a few hours, but it is well worth estimating accurately the value of your household contents - a task made much less painful if you have kept all your receipts for the three-piece suit, camera and so on. Make a record, as insurance companies usually want to see evidence of ownership and value of property. | 
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