My insurance renewal has come up and I am tempted to get building insurance, not LL insurance because my tenants have been there for several years without incident and have a two year lease. Does anyone just insure their property with building insurance or is there a reason why you shouldn't do that as a landlord that I don't know about? I know some insurers won't let you just have building insurance if you are a landlord. Another thing I'm not sure about is which insurers insure the fixtures and fittings in building insurance. The AAMI guy told me the other day that I had to have contents insurance for things like carpet and blinds but I always thought that was included.