What is tenants liability insurance and who needs it?
Tenant liability insurance protects people who rent a complete property against the cost of damage they cause to their landlord’s house or flat for which their tenancy agreement specifies they are responsible. This includes the building itself as well as its fixtures and fittings.
It is also sometimes known as tenancy liability insurance.
Frequently asked questions
Can I buy tenants liability insurance on its own?
No, sorry, we only offer tenant liability insurance as part of a home contents insurance policy.
Does tenant liability insurance cover accidental damage to baths and basins?
Yes. HomeProtect tenant contents insurance covers up to £500 per claim for accidental damage to windows (but not window frames), bathroom fixtures, mirrors, glass tops, glass in furniture and ceramic hobs.
What does tenancy liability insurance cost?
Tenants liability cover is part of HomeProtect tenant contents insurance policies. The cost depends on the value of the contents insured, the location and type of property in which you live, and whether you choose to include cover for your belongings when they are outside your home.
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I only stay with an insurance company if I think they are reliable, fair and efficient - from my experience HomeProtect ticks all the boxes. Trustpilot, 12 February 2017
We contacted HomeProtect after having problems with our other insurance company. We looked on line first and they come up with HomeProtect so we contacted them and from the start they were very helpful and we took out our insurance. Also at Christmas they did a insurance so it covered our Christmas presents which was a surprise and an excellent idea. We would recommend them to anyone. Excellent service. Trustpilot, 1 March 2017
Very pleased to have transferred from previous company - much better premium rate, prompt service. Trustpilot, 29 July 2017