What does accidental damage cover include?
Accidental damage cover is for incidents such as red wine being spilt on the sofa or a football kicked through a window. Under our UK Main Residence Policy and UK Landlords Policy this cover is given as standard, under the Holiday Home Policy it is optional, and if taken covers accidents caused by both yourself and tenants (tenants defined as anyone lawfully on the property)
What is different about theft by tenant?
Theft is automatically covered under the policy but theft by tenants (defined as anyone lawfully at the property) is excluded. If you are letting your property out you may want to take out this cover if you have any particularly high value items.