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Accidental damage insurance

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Insuring businesses and landlords for over a decade

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Satisfaction score of 9/10

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Accidental damage cover, designed for landlords

Accidental damage insurance is there to keep you covered against the cost of repairs or damage to your property or contents, following an unexpected accident or crisis. With Simply Business, you can buy accidental damage cover as part of a flexible landlord insurance policy, helping to protect your most important assets. Remember that this cover may be included as standard in your full policy, so double-check before buying.

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Landlord insurance covers

  • Buildings insurance
  • Contents insurance
  • Fixtures and fittings insurance
  • Loss of rent
  • Property owners' liability
  • Alternative accommodation insurance
  • Employers’ liability
  • Landlord home emergency cover
  • Landlord boiler breakdown cover
  • Unoccupied property insurance
  • Tenant default insurance
  • Rent guarantee insurance
  • Landlord legal expenses insurance

accidental damage

What does accidental damage insurance cover?

  • Accidental damage insurance protects you against DIY accidents, along with home mishaps such as spilling wine on a sofa. Depending on the terms of your policy it may also protect you against outdoor accidents, such as a child throwing a ball through a window
  • This insurance does not cover general wear and tear. In most cases it will also exclude damage caused by domestic animals, and damage caused by bad workmanship

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Details to look out for

  • You can buy accidental damage cover as part of a flexible landlord insurance policy from Simply Business, along with a number of other key landlord covers
  • Make sure you've read and that you understand any exclusions on your policy. With Simply Business you can read the policy documents before you buy
  • A conventional home insurance policy won't cover you for a buy-to-let property, so check the insurance in place and decide what's needed

Landlord insurance FAQs

  • What is landlord insurance?
  • What does landlord insurance cover?
  • Why do I need landlord insurance?
  • Why not just home insurance?
  • Is landlord insurance mandatory?
  • How much does landlord insurance cost?

More FAQs

  • What type of landlord insurance do I need?
  • How much landlord insurance do I need?
  • How do I find cheap landlord insurance?
  • How much tax does a landlord pay?
  • Landlord insurance FAQs

Read more about

  • Landlord insurance
  • Residential landlord insurance
  • Commercial landlord insurance
  • Buy-to-let insurance
  • Landlord covers

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It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

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Landlord insurance
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Landlord insurance covers
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Accidental damage insurance

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6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

© Copyright 2020 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.