Landlord Accidental Damage Cover
What's accidental damage cover and why do I need it as a landlord?
Mishaps can and do happen so accidental damage cover is available to protect you against the cost of repairs or damage to your property or its fixtures and fittings.
Even if you have the most careful of tenants, the cost of repairing or replacing damaged property or contents is your responsibility as the landlord.
What does accidental damage cover me for?
Accidental damage can protect against genuine accidents, such as unintentional breakage or spillages caused by you, your tenants, or a guest.
Keep in Mind
- Online policy is underwritten by RSA Insurance Group PLC.
- Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
Other insurance covers available for landlords
| Type of cover | What is covered |
|---|---|
| Buildings | If your property is damaged and has to be repaired or rebuilt due to an insured event such as vandalism or storms. |
| Landlord's Contents | Household items that you have provided for your tenants, such as soft furnishings or appliances, if they are damaged or destroyed by an insured event. |
| Loss of Rent |
Your cash flow is protected if, after an insured event such as flood or fire, your tenants stop paying rent or have to move out. If your tenants do have to move out, the costs of arranging alternative accommodation on their behalf is also covered. |
| Subsidence, Landslip and Heave | Damage to your property as a result of a movement in the ground supporting your property. |
| Property Owner’s Liability | You are protected if a person is injured or if there is damage to their property as a result of your negligence. |
| Employers' liability cover | You are protected if an employee is injured or dies as a result of your negligence. |
| Legal Expenses | Your legal expenses in proceedings such as contract disputes, debt recovery and evicting squatters. |
Landlord or Home insurance?
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Get a quote online
Get a Landlords Insurance quote from one of the UK’s leading insurers, if you rent between 1 and 5 properties.
*Online policy is underwritten by RSA Insurance Group.
Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).
More than 5 properties or need advice?
If you are unsure of the cover you need, or have more than 5 properties or complex requirements, call on:
0345 377 0006Call telephone number 0345 377 0006
(Lines available from 8am to 6pm Monday to Friday)
Commercial Landlord Insurance is brought to you by Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s biggest insurance brokers. Their specialist advice will help you decide on the cover you need, and they’ll search among their panel of leading insurers to find you that cover at the right price. Cover details may vary based on insurer.
Information you'll need to provide
Whether you ask for a landlord insurance quote online (1-5 properties), need advice or have complex requirements (6+ properties), you'll need the following details to hand:
- Details of the property/properties to be insured
- Any claims you've previously made on the same property/properties
- Any security protection at the property/properties
- If you're a business, how many employees you have and what kind of work they do.
Keep in mind
Standard home insurance won't cover the extra risks you face as a landlord. For example, if a tenant is injured by a falling roof tile at your property or if a flood means your tenants have to move out for a while at your expense.
The small print
Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).
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