Is home contents insurance the same as personal liability insurance?
❌ No, these are two different types of insurance!
Home contents insurance
→ Protects your own belongings (e.g. furniture, electronics, clothing) against damage caused by fire, water, theft or other risks.
Personal liability insurance
→ Covers damages that you unintentionally inflict on other people or their property (e.g. if you accidentally damage something or hurt a person).
💡 Tip:
Both types of insurance complement each other, but they are not the same!
✅ With simpego, you can take out both types of coverage with a single contract.
💡Renter & dog owners beware!
- 🏠 As a renter, your property management company may require liability insurance for tenant damage.
- 🐶 In many communities, personal liability insurance is mandatory for dog owners.
Updated on: 10/03/2025