Landlord accidental damage cover

Q: Is landlord insurance required by law?

There’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.

Q: Does landlord insurance cover accidental damage?

Accidental damage insurance can be added to your landlord insurance policy to cover the repair or replacement cost if you, a tenant, or a visitor accidentally damage something. You’ll usually buy landlord accidental damage insurance alongside your landlord buildings insurance and landlords’ contents insurance.

Join over 315,000 property owners like you with cover from £13.61 per month*

Get tailored quotes in 7 minutes

Start your quote

UK-based expert support, online and on the phone
Get covered and all your documents the same day
Compare tailored landlord accidental damage insurance quotes from trusted brands

10% of customers pay the equivalent of £13.61 a month*

Why is landlord accidental damage cover important?

For anyone looking into landlord insurance, accidental damage cover is a popular backstop. From kids’ games to a kitchen mishap, accidents happen, and this cover is designed to offer protection against the cost of replacements or repairs. As the property landlord, these costs are your responsibility, so cover can make the process simpler and less of a financial drain.

accidental damage insurance, landlord risks covered including buildings, fixtures, fittings, and contents
repair costs for damage or replacement costs if it can’t be fixed
claims paid in 24 hours for 80 per cent of settled claims

Landlord insurance with accidental damage – what’s covered?

This type of cover is designed to support you with repair and replacement costs, if your tenant or someone in the property accidentally damages your building, fixtures, fittings, or contents. From broken windows to damaged ornaments, kitchen appliances and curtains, all of these are easily broken, and usually covered by landlord insurance with accidental damage cover.

Buildings, fixtures and fittings
Contents

Buildings, fixtures and fittings

What does this cover?
- any damage caused to your building, fixtures or fittings, depending on the cover you’ve selected, or loss
- cover for the property itself, and things like built-in furniture, kitchens and bathrooms, fixed heaters, glass and sanitaryware
When would I need to make a claim?
- for example, your tenant drills a hole to fit their new TV, and causes damage to the pipe behind the wall
What isn’t covered?
- insect and vermin damage
- wear and tear
Contents

What does this cover?
- any damage caused to your landlord contents, or loss
- contents which you’ve provided for your tenants, and aren’t fixed or fitted into the property itself
- sofas, tables, lamps, and other freestanding items
When would I need to make a claim?
- for example, your tenant spills red wine on the new sofa you’ve provided, as well as a floor cushion and wooden coffee table
What isn’t covered?
- insect and vermin damage
- wear and tear
- old contents left at the property but not intended for the current tenants’ use, like personal possessions

This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does landlord accidental damage cover cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £13.61 per month

Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.

Get tailored quotes in 7 minutes

Start your quote

*The price is for building and £2 million property owners’ liability insurance only – 10% of customers paid £163.27 or less annually in 1st Feb – 30th April 2025. Equivalent to £13.61 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available, including up to £5 million of property owners’ liability insurance. These all have additional costs.

Example accidental damage insurance quotes, real prices

£19.62 /month

£174.41 /year

Landlord renting a residential house to a single occupant

Residential
Terraced / End terrace house
2 bedrooms
1 bathroom
Built between 1945 and 1979
3-4 years
Occupied
Based in Cardiff

Landlord buildings

£175,001 to £200,000

Property owners’ liability

£2,000,000

Accidental Damage

Included

£40.24 /month

£313.24 /year

Renting out a large flat in a converted building

Residential
converted flat
4 bedrooms
2 bathrooms
Built between 1980 and 1989
Over 5 years
Occupied
Based in Colchester

Landlord buildings

£300,001 to £350,000

Property owners’ liability

£5,000,000

Accidental Damage

Included

How we work out example quotes These examples are real quotes from our online system (created 30/12/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

How it works

Pick what goes into your policy

Only pay for what you need

Get prices from a range of insurers

Choose the best fit for you

Buy online in minutes

Get your documents the same day

Start your quote

Direct to
insurer

Highstreet
broker

Compare policies from a range of trusted insurers

Buy online or over the phone in minutes

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

Example claim

Having landlord accidental damage cover through Simply Business has saved property owners thousands of pounds when the unexpected happened.

Rosie saved more than £16,200

Rosie (not her real name) discovered accidental damage inside her property, a few days before her tenant was due to leave. Multiple items and fittings were damaged, including bifold doors, light fittings, and bespoke fitted childrens’ cupboards, but the landlord insurance accidental damage cover added to her policy covered Rosie’s replacement and repair costs.

Insurance payout

£16,212

Covering the cost of accidental damage

Insurance payout

Covering the cost of accidental damage

Chosen by nearly one million small business and landlord customers

We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.

Compare and buy in minutes

Documents arrive today

Rated 4.6/5

Based on 39.9K Feefo reviews

Here to help

Help from UK-based experts

24/7 claims

Make a claim any time

Accidental damage insurance landlord FAQ

Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions about landlord insurance with accidental damage. You can also check out our landlord insurance FAQs.

Is landlord insurance required by law?

Does landlord insurance cover accidental damage?

How much is landlord insurance per month?

This will depend on your specific circumstances, the type of property you’re renting out, your tenants and various other factors. Right now, our landlord policy prices start from £9.53 per month.

To work this out, 10% of our customers paid up to £114.35 a year for a landlord buildings cover only policy between 1st April 2023 – 30th June 2023. Equivalent to £9.53 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you’ll pay interest. Most customers pay more than this but some pay less.

What is the difference between landlord insurance and home insurance?

Home insurance is required when you want to insure the home you’re living in against accidental loss or damage.

Landlord insurance is different – it’s required when you own a property that you rent out to a third party, and don’t live in yourself. It covers different insurance risks from a home policy, taking into account the type of tenant you rent to and how long you’ve owned the property. It also allows you to insure the property and protect yourself against things like loss of rental income, and malicious damage caused by your tenants.

What insurance do I need as a landlord?

You aren’t legally required to take out a specific landlord policy, but remember – a conventional home insurance policy won’t cover you for rental activities, and a mortgage lender will usually demand you have specific landlord cover in place, before you let your property.

Popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.

Do I need any other additional landlord covers?

You can add a range of other important covers to your landlord insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:

This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions.

Landlord accidental damage cover

Why is landlord accidental damage cover important?

Landlord insurance with accidental damage – what’s covered?

Buildings, fixtures and fittings

Contents

How much does landlord accidental damage cover cost?

Prices start from £13.61 per month

Example accidental damage insurance quotes, real prices

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Talk to an expert

Online

Phone

FAQs

How do claims work?

£68 million in claims paid out in 2024

Example claim

Rosie saved more than £16,200

Compare and buy in minutes

Rated 4.6/5

Here to help

24/7 claims

Accidental damage insurance landlord FAQ

Helpful articles for landlords

How can landlords get a buy-to-let remortgage?