Tenant
Liability
Insurance

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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 Tenant Liability Insurance?

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 Tenant Liability Insurance 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.

What’s Covered in Tenant Liability Insurance?

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 circumstances, you may need additional cover such as:

Get the right cover for your rental property

At Insurably, we work with leading insurers to find the best Tenant Liability Insurance for your needs. Whether you're a student, professional, or renting short-term, we make it simple to get the right cover at the best price.

Start your quote online today and protect yourself from unexpected costs while keeping your deposit safe.

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  • Small local office, no call centres.
  • Experienced, knowledgeable staff.
  • We keep it simple—no jargon, just clear and honest advice.

What does Tenant Liability Insurance cover?

  • Accidental Damage Protection
  • Deposit Protection Cover
  • Landlord's Furniture & Appliance Cover

What's Covered?

What's Not Covered?

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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.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in landlord insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Tenant Liability Insurance covers accidental damage to your landlord’s property for which you are responsible under your tenancy agreement. It helps protect your deposit and ensures you won’t have to pay out of pocket for repairs.
Some landlords require tenants to have liability insurance as part of their rental agreement. Even if it’s not mandatory, having coverage can prevent costly disputes over accidental damages to the property.
It typically covers accidental damage to fixtures, fittings, and furnishings provided by your landlord, such as carpets, walls, doors, and kitchen appliances. Policies may also cover fire, flood, and water damage.
The cost varies based on factors such as coverage amount, property size, and location. Basic policies can start from as little as £5 per month, with higher coverage options costing more.
No, this insurance only covers accidental damage to your landlord’s property. If you want to protect your own possessions, you should consider Contents Insurance.
If you accidentally damage your rental property, contact your insurer as soon as possible. You will typically need to provide details of the damage, photographs, and possibly your tenancy agreement to process the claim.
No, only the policyholder (the tenant) can make a claim. However, you can compensate your landlord by using your insurance to cover the costs of repairs for accidental damage you caused.