It depends on the terms of the insurance because there is obviously buildings insurance and contents insurance and the landlord’s insurance would normally before buildings and you would be required to ensure any contents yourself.
This insurance is exactly what it says, “the cost of insuring the premises” not the cost of insuring the contents.
Being brutally honest with you, I would be surprised in the extreme if the landlord had any liability for your contents.
I’m sorry, I know it’s not the answer you wanted.
I am glad to help.
Hopefully, I have answered your query in a way that is simple and easy to understand.
I would be more than happy to clarify anything else for you. In the meantime, thank you once again for using our services.
I am happy to answer any specific points arising from this.
Please be aware that my answer is based strictly upon the information you have given me.
If you still need any points clarifying, I will be happy to reply because the thread does not close. In fact, it remains open indefinitely.
I am always happy to answer any further questions you have on any new thread in which case, please start your question with, “ For FES only”.
You don’t need to do it on this thread, just a new thread. You have me exclusively on this one.