Should I take out tenant’s liability insurance?
Have you just signed your tenancy agreement and are getting ready to move into your new property? Maybe you have lived in a rented property for a while but you have never taken out any insurance cover? Whether you are moving into a new flat or a house or you have been there for yours, if you haven’t already done so, you should really think about taking out tenants liability insurance. Here’s a bit of information to help you with the decision.
What is tenant’s liability insurance?
When you rent a property your tenancy agreement normally comes with a list of things which are in the property such as fixtures and fittings and household items. At the end of your tenancy agreement, and sometimes at intervals in between, your landlord or their agent will check that these things are still in the property and that they haven’t been damaged. If they are damaged, your landlord will normally charge you for their repair or replacement or if you are leaving the property, they will deduct some or all of your deposit. Tenant’s liability insurance is cover that you can take out to cover the cost of accidental damage to the items which come with your property. That could include things like accidentally breaking a window, burning the worktop or spilling something on the settee or carpet.
What type of items does tenant’s liability insurance normally include and how much cover do I need?
The amount of cover you need to take out should be matched to the value of the items which are included with your tenancy and how much they would cost to replace, including any labour and call out costs. In some cases this will only be standard fixtures and fittings like kitchen cupboards, windows, doors, lights, carpets and bathroom fittings. Other properties come fully furnished so cover needs to extend to items like electrical appliances, beds, settees, chairs, cabinets, kitchen accessories and even artwork.
When you are thinking about the level of cover you need, you need to think about what your tenancy agreement includes and how much you would have to pay if something like a window got broken and needed to be replaced.
What does tenant’s liability insurance not cover?
It’s important to note that normal wear and tear can’t be covered by this type of insurance. Theft or damage which is non-accidental is not covered either regardless of whether it is caused by your family, your visitors or yourself.
Tenant’s liability insurance does not cover any loss or damage to your personal items within the property. If you want to insure your personal property against theft or damage, you need to take out contents cover. You can also include high value items such as your laptop, jewellery, mobile phone or bike as part of this type of insurance. When you are taking out your insurance it is often cheaper to purchase both at once.
Where can I get tenant’s liability insurance?
There are a wide range of online providers of tenant’s liability insurance, however to get the best rate and ensure you take out the right cover it’s always helpful to talk to a broker like Property Insurance Centre. They can help you to select the right level of cover and if you need it, they can give you information on a joint policy to include contents insurance and make sure you have all the cover you need for your home. Call us today on 0800 085 3761.
Why choose the Property Insurance Centre
Independent advice by approachable staff online or by phone
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
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Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.
Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.
The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.
His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.
Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.
He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.
As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).
As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
Contents
- 1 Should I take out tenant’s liability insurance?
- 2
- 3 Insurance under one roof
- 4 We are specialists in many types of insurance
- 5 Block of Flats
- 6 Unoccupied
- 7 Home Insurance
- 8 Residential Landlord
- 9 Land Liability
- 10 Commercial Property
- 11 Lockup Garage
- 12 Restaurant
- 13 Takeaway
- 14 Classic Car
- 15 Mixed Use
- 16 Tradesmen
- 17 Why choose the Property Insurance Centre
- 18 Independent advice by approachable staff online or by phone
- 19 Access to a wide range of insurers to source suitable insurance cover for your needs
- 20 Bespoke Insurance Schemes & Portfolio Policies available
- 21 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 22 Competitive Premiums
- 23 Cover available for the buildings while the property is being converted, renovated or extended
- 24 Over 40 years experience working with the best insurers in the UK
- 25 Excellent communication so that you understand what risks you are insured against
- 26 Why choose the Property Insurance Centre
- 27 Independent broker with staff you can speak to by phone or online
- 28 Access to a wide range of insurers to source suitable insurance cover for your needs
- 29 Bespoke Insurance Schemes & Portfolio Policies available
- 30 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 31 Competitive Premiums
- 32 Cover available for the buildings while the property is being converted, renovated or extended
- 33 Over 40 years experience working with the best insurers in the UK
- 34 Excellent communication so that you understand what risks you are insured against
- 35 Why choose the Property Insurance Centre
- 36 Independent broker with staff you can speak to by phone or online
- 37 Access to a wide range of insurers to source suitable insurance cover for your needs
- 38 Bespoke Insurance Schemes & Portfolio Policies available
- 39 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 40 Competitive Premiums
- 41 Cover available for the buildings while the property is being converted, renovated or extended
- 42 Over 40 years experience working with the best insurers in the UK
- 43 Excellent communication so that you understand what risks you are insured against
- 44 Specialists in Commercial & Residential Insurance
- 45 Get In Touch:
- 46 We accept most payment types including:
- 47 UK Call Handlers & Dedicated New Business Team
- 48 Call Us on 0800 085 3761
- 49 Robert Fisher
