Landlord Insurance for Tenant Damage
Whether you are a commercial or residential landlord, it’s likely that you want insurance that would cover any damage your tenants could cause to your property or its contents. You will not be covered by a standard home insurance policy. However there are a variety of landlord insurance options available. You can use the comparison tables below to view a range of choices where you will be able to get quotes on landlord insurance policies to help you decide which plan might be best for you.
|Provider||Rental Protection||Multi Property Quotes||Public and Property Liability Cover||Special Features||Get Quotes|
Landlord Insurance Quotes »
|Yes||Get Quotes||PRICE GUARANTEE - beat any renewal quote on like for like cover.* Find cheap landlord insurance - Fast online quotes - multi property insurance - loss of rent cover - all tenant types covered||Get Quotes >|
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|Yes||Get Quotes||Save up to 35% on your Landlord insurance** - Cover for Professionals, Student Lets, DSS and many more - One property or portfolio our partners can help||Get Quotes >|
Direct Line Landlord Insurance Quotes »
|Yes||Standard Cover Up to £2m||Direct Line Landlord Insurance with prices from £115 a year 10% of customers paid this or less. Based on policies sold 1st November 17 - 30 April 18. Excludes add ons. Underwritten by U K Insurance Limited.||Get Quotes >|
Smart Landlord Insurance Quotes »
|Yes||Get Quotes||Compare the best prices and policies for landlords. Quick quotes with all risks and multi properties covered by our UK insurance providers.||Get Quotes >|
QuoteZone Landlord Insurance Quotes »
|Yes||Get Quotes||Fill in one form to compare landlord insurance deals from a range of providers and find the right one for you.||Get Quotes >|
|Yes||Cover Up to £2m||We cater for all types of Landlords Building Insurance. Multi-Quote's available, buy online now.||Get Quotes >|
Lloyds Bank Landlord Insurance Quotes »
|Yes||Get Quotes||Get quotes instantly and find the cover you need at a price that suits you. Immediate cover available. Arranged by Arthur J. Gallagher Insurance Brokers Limited who source products from a panel of insurers, ensuring you get the right cover at a competitive price.||Get Quotes >|
*New customers only. Minimum premiums apply. Proof of alternative quote may be required. Based on the same level of cover.
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Landlord insurance for tenant damage
Although a landlord can be covered for tenant damage, landlord insurance does not cover loss or damage to a tenant’s contents or belongings. As a landlord, you are responsible for the structure of the building, the fixtures and fitting. If you have offered to rent the flat furnished or partly furnished you may wish to cover your own possessions in the property.
When comparing landlord insurance for tenant damage polices you, you may want to consider a policy whose cover includes:
Buildings cover will protect your property’s actual physical structure such as the walls and roof, it may also provide coverage for external structures which are part of the property for instance an unattached garage.
If you let property as fully or partially furnished then you may wish to find a policy that will protect your contents from tenant damage. Contents insurance will generally cover items such as furniture, furnishings and white goods against damage. When looking at different contents policies you may find you have a choice between indemnity or ‘new for old’ polices. If you opt for indemnity cover and make a claim, the insurer will factor in any depreciation of value the item might have undergone since the time you purchased it and pay you an amount of money based on this. a new for old policy will simply provide you with a brand new version of the same item, as a result new for old cover may be more expensive.
Before you take out a policy
When looking for landlord insurance for tenant damage you should shop around thoroughly and check exactly what each policy covers and if you need to purchase any optional extras. For instance you may find that policies from some insurers do not include cover for malicious damage by tenants as standard. By thoroughly comparing the market you may be able to find the plan which most comprehensively suits your needs.