Can Renters in Wales Insure the Building They Live In?

If you’re renting a home in Wales, you might wonder whether you can (or should) insure the building itself, especially if you’re concerned about protection from damage, accidental events, or landlord disputes. Understanding what insurance you’re responsible for—and what your landlord covers—is important for financial peace of mind and compliance with Welsh tenancy law.

Who is Responsible for Building Insurance in Wales?

Under Welsh law, the responsibility for insuring the building you live in almost always sits with your landlord, not with tenants. Building insurance covers the structure of the property—such as walls, roof, floors, and any permanent fixtures—against risks like fire, flooding, or subsidence.

• Landlords are typically required to insure the property itself, especially if they have a mortgage.
• Tenants are responsible for their own possessions (contents), not the building structure.

This arrangement is standard in both Occupation Contracts under the Renting Homes (Wales) Act 2016 and older assured shorthold tenancies.^[1] Your written tenancy agreement (contract-holder agreement) may mention the insurance arrangements, so it’s always worth checking the exact terms.

Can Tenants Insure the Building in Wales? What You Can and Cannot Do

Legally, as a tenant in Wales, you are not permitted to take out a standard building insurance policy for your rented property. Insurance companies only offer this to the property owner (landlord), since they have a financial stake in the property’s structure.

• You can buy contents insurance to protect your own belongings.
• You cannot buy building insurance as a tenant because you do not own the property.
• If you make alterations (improvements) to the property, check with your landlord first about how these are insured.

If your tenancy agreement requires you to pay toward the landlord’s insurance premium (sometimes seen in shared accommodation), this should be stated clearly in your contract. If unsure, ask to see a copy of the landlord’s building insurance.

Tip: You are not legally required to pay for your landlord’s building insurance unless this is specifically detailed in your written agreement.

Relevant Forms and How to Use Them

While there is no government form for tenants to get building insurance (since it’s not permitted), there are official forms for requesting information and addressing concerns:

• Request for Written Statement of Occupation Contract (no form number)
  • Used if your landlord does not provide a written statement (contract) showing insurance or repair obligations within four weeks of request.
  • Submit a written request (email or letter) to your landlord.
  • See guidance on official Welsh Government Renting Homes guidance.
• Fitness for Human Habitation Complaint (local authority form varies)
  • Used if the property is unfit or unsafe and you believe the landlord’s lack of insurance or repairs impacts this.
  • Contact your local council’s Housing Department; see details on the Find your local council page.

Which Tribunal Handles Tenant-Landlord Issues in Wales?

If you have a dispute about housing or contracts, the Residential Property Tribunal Wales handles tenancy matters, including issues around landlord obligations.

The Law: Key Legislation Covering Insurance and Repairs

Your landlord’s duty to insure the building and keep it safe is mainly covered under the Renting Homes (Wales) Act 2016, which introduced occupation contracts for most private and social renters.^[1] The Landlord and Tenant Act 1985 also covers some repair and maintenance obligations.^[2]

If your landlord fails to arrange proper building insurance and this results in unaddressed damage, you may have additional rights to request repairs or compensation.

Summary

Most tenants in Wales cannot and do not need to insure the building itself. Your focus should be on contents insurance for your possessions, while your landlord is responsible for insuring (and maintaining) the property’s structure.

Frequently Asked Questions (FAQ)

1. Can I buy building insurance as a tenant in Wales?
   No, only property owners (landlords) can purchase building insurance. Tenants can insure their own belongings with contents insurance.
2. What happens if my belongings are damaged by a building issue (like a flood)?
   Your landlord’s building insurance may cover repairs to the property structure, but you’ll need your own contents insurance to replace personal items.
3. Does my landlord have to show me their building insurance?
   There’s no legal requirement, but you can ask your landlord or letting agent to see proof—especially if your contract says you contribute to the premium.
4. I pay a service charge that includes insurance—what should I do?
   Ask your landlord or managing agent for a breakdown of what’s covered, and always check the contract for details about insurance payments.
5. Where can I complain if my landlord hasn’t insured the building or refuses repairs?
   Contact your local council’s housing department. For unresolved disputes, you may apply to the Residential Property Tribunal Wales.

Conclusion: What Welsh Renters Need to Know

• You cannot (and do not need to) insure the building as a tenant—this is your landlord’s job.
• Always arrange your own contents insurance for your possessions.
• If you have contract doubts or housing issues, contact your local council or the Residential Property Tribunal Wales for support.

Understanding your insurance responsibilities can prevent confusion and offer greater protection during your tenancy in Wales.

Need Help? Resources for Renters in Wales

• Renting Homes: Guidance for Contract-Holders (Welsh Government)
• Residential Property Tribunal Wales – Resolve tenancy and housing disputes
• Private Renting: Your Rights and Responsibilities (UK Government)
• Find Your Local Council – For fitness and housing complaints

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1. Renting Homes (Wales) Act 2016, Welsh Government
2. Landlord and Tenant Act 1985 (Repairing obligations)

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