Tenant Liability
Insurance
What is Tenant Liability Insurance?
Tenant Liability Insurance protects renters from financial responsibility for accidental damage to their rented property. Whether you're renting a flat, house, or shared accommodation, this insurance helps safeguard your deposit and ensures you meet your tenancy agreement obligations.
For tenants, students, and professionals in rental properties, Tenant Liability Insurance offers peace of mind by covering unexpected costs that could otherwise impact your finances.
Who Needs This?
If you rent a property, your tenancy agreement may require you to have Tenant Liability Insurance. This includes:
- Private Tenants – Renters in privately owned properties.
- Students – Those renting student accommodation or shared houses.
- Flat Sharers – Individuals living in shared rented properties.
- Professionals – Tenants leasing long-term accommodation.
Why is it Important?
Your landlord’s insurance won’t cover accidental damage you cause to the property. Without Tenant Liability Insurance, you could lose part or all of your deposit to cover repairs.
Common risks that Tenant Liability Insurance protects against include:
- Accidental Damage – Covers damage to fixtures, fittings, or furniture owned by the landlord.
- Stains & Spills – Protection against accidental stains on carpets, sofas, or curtains.
- Broken Appliances – Covers accidental damage to landlord-owned appliances.
- Wall & Flooring Damage – Covers accidental damage to walls, doors, and flooring.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Tenant Liability Insurance typically includes:
- Accidental Damage Cover – Protection for damage to landlord-owned property.
- Fixtures & Fittings Cover – Covers built-in furniture, carpets, and appliances.
- Legal Liability Cover – Protects you against claims if you damage the landlord’s property.
- Deposit Protection – Helps avoid losing your deposit due to accidental damage.
What's Not Covered
- General wear and tear.
- Damage caused intentionally or through negligence.
- Loss or theft of personal belongings (consider renters' contents insurance for this).
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Tenant Liability cover you for?
Tenant Liability Insurance helps protect renters from the cost of accidental damage to their landlord’s property—such as spills, breakages, or fire. Insurably® makes it quick, easy, and affordable to get cover, helping tenants avoid disputes and protect their deposit with confidence.
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