Tenants Liability Insurance 

What is tenants liability insurance? 

Tenants liability insurance is a type of cover created for renters. Insurance of this nature offers accidental cover for fixtures, fittings or furniture owned by your landlord to include items such as white goods and appliances or carpets and soft furnishings.

Are there exclusions? 

As the term ‘accidental cover’ suggests, the cover is limited to damage caused by accident only and would not pay out for deliberate damage or anything that could be deemed normal wear and tear.

Is it compulsory to take out this insurance?

There is no legal requirement to take out this insurance although it might be expected by your landlord, particularly if your property is furnished. However, if you decide not to take it out at the start of the tenancy, you still have the option to change your mind at a later date.

Do I need it?  

Naturally insurance of this nature is a good way to obtain peace of mind as you, as a tenant, are responsible for ensuring the property is kept in good condition. While you might have contents insurance this generally covers just your possessions and not those of your landlords so depending on the value of existing items in the property, you might feel it gives you a little more security should there be any accidents. It will also avoid any unexpected deposit deductions at the end of the tenancy.