Flow Monthly Renters insurance on subscription

Monthly subscription insurance for renters, simplified.

Flexible pay monthly insurance to cover your possessions, exclusively for renters. Manage your insurance cover online, 24/7. No phones. No need to wait. Easy.

Get a Flow Renters quoteGo to your Flow account

So, why choose Flow Renters insurance?

No admin fees
There are no admin or cancellation fees to worry about and we won't charge you monthly interest.

Value for money

Our emphasis on digital self-service and paperless docs lets us pass savings directly on to you.

Damage to landlords fixtures and fittings
We’ll cover you up to £10,000 for loss or damage to any fixtures and fittings that your landlord has made you responsible for.

No phones. No wait. Easy.
New bike? Changed your laptop? Log in and update your online Flow account in a few clicks 24/7.

Customer support
We're here for you when you need us. Have a browse through our FAQ hub or get in touch via email.

Peace of mind
Protect the things you love. Our contents insurance is designed to cover items like household goods, electrical items, TVs and computers, clothes, linen and personal belongings like books, CDs, jewellery, musical instruments and bikes.

Flexible contents insurance tailor-made for you
Cover your belongings your way. Your monthly subscription will keep rolling until you cancel. We've got you covered.

Specified items
You can add up to 10 specified items individually worth £5,000 or less, or up to £20,000 in total.

24/7 claims service
Log your claim in your account and we'll put you in touch with our friendly UK based claim handlers, we’re proud to be part of the LV= family.

Take a look at our Flow customer reviews

Thanks to all our customers who've rated us on Trustpilot - 4.6 stars out of 5 is Excellent!!

What is renters insurance and do I need it?

Renters insurance – sometimes known as tenants insurance helps protect against loss, insuring your items against the risk of theft and damage. Our contents insurance is designed to cover items like household goods, electrical items, TVs and computers, clothes, linen and personal belongings like books, CDs, jewellery, musical instruments and bikes. So, if the worst should happen, you can easily replace them without being out of pocket. Flow Renters is specifically designed for people who want fast, flexible cover without the fuss, as we're all online! Find out more about Flow Renters insurance.

Optional extras

Boost your Flow renters cover

Cover outside your home

Do you want to cover any items outside your home?

  • Such as your bike, mobile phone, laptop, tablet, or jewellery. We’ll cover you for accidental loss or damage and theft. You can cover up to 10 specified items worth up to £5,000 each, up to a maximum total of £20,000.

Accidental damage cover

Do you want cover for accidents like breakages or spillages in your home? 

  • We get it, accidents happen. Accidental damage cover gives you extra peace of mind. Whether your pet has scratched your sofa or you've spilt a drink over your laptop, we've got you covered. 

So, how does our monthly subscription pricing work?

Frequently asked questions

Learn more about the nuts and bolts of Flow renters – the documents are all here

You can view your documents in your online account. You can get these and other documents in Braille, large print or audio by emailing us.

Flow Renters articles

What is accidental damage cover?

We try our best, but accidents can happen, and belongings can get damaged along the way. Accidental damage cover is there to protect the things you love in your home.

The Complete Renter's Checklist For Moving

Having a moving checklist to tick off to reduce the stress of moving house, can help you keep track of progress and cover everything that needs to be done.

Contents insurance explained

Whether you own your home or are living in a rented property, it’s important to protect your valuable belongings with the right level of contents insurance.

How much does home contents insurance cost?

No matter how careful you are, there’s always a chance one of your prized possessions could get lost, stolen or damaged in some way.

Landlord reference checks to be aware of before you rent

Before you start unpacking, there’s a whole list of things to get sorted. That includes proving your right to rent and passing some important landlord reference checks.

Protecting your rental deposit

If you’re renting and about to start a new tenancy or leave your old one, your rental deposit will likely be at the forefront of your mind.

Your rights as a tenant

It’s important you understand these tenant rights so you’re protected when it comes to living standards and rent increases.

What is a Tenancy Agreement?

The agreement will outline what is required from you and what the landlord agrees to take responsibility for throughout your tenancy.