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Tenants Liability Insurance

tenants liability

With more people renting with long term agreements, especially in the private rental market, it is important to consider insurance. At Intasure, we have developed Tenant’s Liability insurance that is specifically designed for tenants living in rented accommodation. Whether you are on a short let or have been a tenant for years, our Tenant’s Liability insurance is designed to cover accidental damage to your landlord’s home and contents and cover your legal liability.

As well as helping to protect you against potential financial impact of a claim for accidental damage to your landlord’s property, you can choose optional insurance for your own possessions, too. Contents insurance with Tenants’ Liability cover can offer you and your landlord peace of mind.

Why take out Tenant’s Liability insurance?

Under your tenancy agreement you could be responsible for accidental damage you cause to your landlord’s fixtures and fittings, especially if you’ve rented a furnished property or partly furnished flat or house.

If things go wrong and you accidentally damage your landlord’s property, they could make a claim against you and you may be responsible for the cost of replacing or repairing the damage. At Intasure, our cover can provide you with up to £4,000 of cover costs you are legally liable to pay as a tenant under a tenancy agreement in respect of accidental damage to your landlord’s fixtures, fittings, furniture and furnishings.

What does the policy cover?

Tenant’s Liability insurance covers damage to items that are fixed to and form part of the structure of the home including

  •  Decorations including wallpaper, murals and stencilling
  •  Bathroom suites
  •  Flooring: if it is integral to the fabric of the building
  •  Fitted kitchens and their fitted appliances
  •  Built-in wardrobes
  •  Furniture and furnishings including carpets and curtains

Cover your own possessions with Optional Contents insurance cover

Not only can you help make sure you have cover for damage to your landlord’s property, but you also have the option to cover your own possessions and personal belongings too. With the exception of mobile phones or glasses, we can include personal possessions such as laptops. This additional cover to your Tenant’s Liability insurance helps protect your personal possessions against theft or damage. Please refer to the policy documentation for full terms and conditions.

What if I move house?

The great thing about your Tenant’s Liability insurance coverage from Intasure is that it’s a ‘portable’ policy, an increase in premium may occur depending on risk location. So if you move to a new address then your policy moves with you. No additional fees for any changes within the policy. All you have to do is let us know your new address – it’s that simple.

Are there any optional extras?

Some of the optional benefits available with Intasure are:

  •  Accidental damage to service pipes and service cables
  •  Protection in case of loss or theft of keys (which can cover the cost of replacement locks)
  •  You have the option of covering personal effects and valuables on the same policy
  •  Public Liability cover

  •  Your policy is portable, so you can take it with you to a new address

Intasure Customer Reviews

Find out more from Intasure

Our sales team are ready and waiting to help you with Tenant’s Liability & Optional Contents Cover insurance. We have over 15 years’ experience in delivering a variety of insurance products to our customers.

Find out more and get quote by filling in our online contact form, or call us on 0345 111 0680 and talk to one of our professional sales team today.

Get a Quote Now >>

*This provides you with a summary of the cover. Policy limits and exclusions may apply, please see the policy wording for full terms and conditions that apply, the policy document itself should be referred to.

Available to residents domiciled in the following countries: Austria, Azores, Balearic Islands, Belgium, Bulgaria, Campoine D’Italia, Canary Islands, Ceuta, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Falkland, Islands, Finland, France, French Guiana, Germany, Greece, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Livigno, Luxembourg, Madeira, Malta, Martinique, Mayotte, Melilla, Monaco, Netherlands, Northern Ireland, Norway, Poland, Portugal, Reunion, Romania, Saint Barthelemy, Saint Martin (France), San Marino, Slovakia, Slovenia, Spain, Svalbard, Sweden, Switzerland, United Kingdom

Ref: WB15-2021p

Policy Details

Product information
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Policy Wording
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