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.

Get a Quote

Should I take out tenant’s liability insurance

Insurance under one roof

We are specialists in many types of insurance

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.

Block of Flats

block-of-flats-insurance-middle-icon-01

Home Insurance

Holiday-Home-Insurance

Residential Landlord

Land Liability

Commercial Property

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.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

Get In Touch:

We accept most payment types including:

UK Call Handlers & Dedicated New Business Team

Call Us on 0800 085 3761