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Tenant Liability Insurance – Compare Cheap Quotes

If you’re a tenant living in a rented property your landlord will usually take out landlord insurance to protect the building, while you’ll have to take out your own contents insurance to protect your belongings.

But what happens if you accidentally damage your landlord’s property? Many landlord insurance policies don’t cover accidental damage, and contents insurance usually won’t cover you against liability claims either – unless you have tenant liability insurance.

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What is tenants’ liability insurance?

You may or may not have decided to add accidental damage cover to your contents insurance policy, but even if you do have that add-on it usually won’t cover accidental damage to your landlord’s building or to the property’s fixtures and fittings.

For that reason many insurance providers will offer tenants the option to add tenants’ liability cover to their insurance policy, which will usually cover them against these additional risks.

Can I take out tenants’ liability insurance as a separate policy?

Yes, some home insurance providers do offer tenants’ liability cover as a standalone policy, although it’s worth bearing in mind that it’s usually far more cost effective to bundle this type of cover with your contents insurance.

If your current contents insurance policy is due for renewal soon you can compare policies that include tenants liability insurance when you’re comparing quotes. Alternatively, if you already have contents insurance you may be able to add tenants’ liability cover to your existing policy for a small fee.

Is tenant liability insurance mandatory in the UK?

From a legal perspective tenant liability insurance isn’t mandatory in the UK, but from a contractual point of view it may be required in some cases because some tenancy agreements do include a clause that requires the tenant to take out this type of insurance.

For that reason it’s worth double checking the terms of any tenancy agreement before you sign it, so that you can be sure ahead of time whether you’ll need tenant liability cover.

Does tenant liability insurance cover wear and tear?

No, home insurance policies usually don’t cover the policyholder for normal wear and tear, and tenant liability insurance is no exception.

While tenants liability insurance can help insure you against many different types of damage to the property’s walls, floors, kitchen appliances, cupboards and bathroom fixtures, as well as damage to the landlord’s own contents if the flat or house is rented on a furnished basis, if the insurer deems that the damage is due to normal wear and tear then this usually won’t be covered.

Does having tenants liability insurance guarantee that I’ll get my full deposit back?

No, it doesn’t guarantee that you’ll get every penny back, but tenants liability insurance can help to cover the cost of repairing or replacing items that might otherwise be deducted from your deposit, so you do have a better chance of having fewer deductions taken from your deposit if you have this type of cover in place.

How can I find cheap tenant liability insurance?

First and foremost, you should shop around for the best deals and discounts by comparing quotes from a wide range of home insurance providers.

It’s also usually more cost effective to bundle this type of insurance with your home insurance policy, so you should select this add-on when you’re comparing quotes for contents insurance or tenants insurance.