Simply Business - Insurance for your business

Call Us0333 0146 683
Our opening hours
Knowledge centre

Avoiding the 5 most common landlord insurance claims

2-minute read

Josh Hall

Josh Hall

8 September 2010

Landlords have a range of risks to deal with – and some are more common than others.

No-one wants to throw money away unnecessarily, particularly in the buy-to-let world. So we have compiled a list of the five most common types of landlord insurance claim – and some ways to help you avoid them.


So-called ‘escape of water’ claims are the most common type of loss amongst landlords.

This type of claim often relates to poor plumbing or pipes. A leaking or burst pipe can cause significant water damage. Indeed, flooding arising from an incident like this can often affect multiple properties; if your property is a first floor flat, a bathroom leak can begin to drip into the flat below remarkably quickly.

The risk of flooding and water damage can be mitigated by some simple checks on your pipes. Make sure that there are no leaks, and that joins between pipes are secure. You should also take particular care during the winter, as frozen pipes are more prone to bursting. Ensure that your tenants know at least where the emergency stopcock is located, and how to use it.

Accidental damage

The second most common type of claim amongst landlords arises from accidental damage to the contents of a property. This might include damage to carpets, broken televisions, cracked baths and so on.

Accidental damage is, by its very nature, quite hard to avoid. Tenants are unlikely to stain a carpet deliberately – but accidents do, of course, happen.

You can, however, help to minimise the risk of accidental damage by properly vetting your tenants. Make sure that you or your agent has a proper chat with prospective tenants, so that you can get a good idea of what they do and what they are like. Party-loving students are, broadly speaking, more likely to cause accidental damage than a young couple with a child.

Thoughtful design can also help to minimise losses. For example, do you really need to carpet the floor in the living room? Wipe-clean laminate flooring is less prone to staining – and, if well chosen, can often actually be a selling point in a property.

Storm damage

Sadly, try as we might, we cannot prevent storms. However, by taking some precautions landlords can minimise the damage suffered when a storm occurs.

A properly repaired roof can go a very long way towards minimising storm damage. Make sure that any loose tiles are replaced, and that holes or other breaches are repaired promptly. You should also check to ensure that pipes and gutters are sturdy, properly secured, and unblocked.

If a particularly dramatic storm is expected, you might need to take extra steps. Make sure that any loose objects like garden ornaments or pot plants are brought inside, or properly secured. Doors and windows may also need to be reinforced if high winds are expected; you can do this by fitting plywood coverings outside the glass.

Malicious damage

Malicious damage is the fifth most common type of claim amongst landlords.

This type of loss is difficult to guard against. For example, how can you stop a drunk teenager throwing a brick through a window?

You may want to take some extra precautions if your property is in an area that is prone to malicious damage. For example, you might choose to fit reinforced windows, or place a lock on a garden gate. You may also find that a visible, prominent security system helps to reduce the potential for malicious damage.

FAQ regarding insurance claims at Simply Business

Head of claims, Alissa VanBrunt answers frequently asked questions together with our claims handlers.

Youtube video poster

Get set with tailored landlord cover

Over 200,000 UK landlord policies, a 9/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy? Run a quick landlord insurance quote today.

Start your quote

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer

Find this article useful? Spread the word.


People also liked

What to do if a storm hits your rental property.

20 November 20184-minute read

What to do if a storm hits your rental property

In the winter season, storms are more likely to hit the UK. This means that it’s important to protect your rental property against storms…

Read more

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter


Popular articlesBusiness resources from FarillioGeneral businessGuestInsuranceLandlordLandlord resources from FarillioLegal and financeMarketingNewsOpinionProperty maintenanceTradesmanCovid-19 business support hub


6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.