Landlord Insurance for Tenant Damage

Landlord Insurance for Tenant Damage

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Rental Protection
Yes
Public and Property Liability Cover
Standard Cover Up to £2m
Special Features
Compare quotes, save time and money. Cover for Professionals, Student Lets, DSS and many more. Insurance for building, contents, accidental damage, rent insurance, emergency repairs, business interruption
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Rental Protection
Yes
Public and Property Liability Cover
Standard Cover Up to £2m
Special Features
Compare UK Landlord Insurance providers for a residential or commercial property with Quotezone. Get your quotes by filling in one simple form, compare prices, and start saving
Multi Property Quotes

Quotezone

Rental Protection
Yes
Public and Property Liability Cover
Standard Cover Up to £2m
Special Features
Direct Line Landlord Insurance with prices from £114 a year. 10% of customers paid this or less. Based on policies sold between 1st July 2018-31st December 2018. Excludes add ons. Underwritten by U K Insurance Limited.
Multi Property Quotes

Direct Line Landlord Insurance

Will guarantee to beat the renewal price or quote of any other insurer when you take out your 1st policy with Direct Line*

* New Customers only. Cover on an equivalent basis. Qualifying criteria apply. Terms & conditions.

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 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.

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

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.

Contents insurance

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.

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