They can be, because a furnished property may need cover for items such as beds, sofas and appliances, increasing the potential value of a claim. The difference depends on the furnishings, property type, tenants, location, claims history and the cover selected, so it is not automatically higher in every case. Tenants’ belongings are generally their responsibility and are not covered by a landlord’s contents insurance. When comparing quotes, describe the furnishings accurately and check exclusions, excesses, liability cover and whether accidental damage is included.