Landlord accidental damage cover
Join over 315,000 property owners like you with cover from £14.20 per month*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
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.
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Buildings, fixtures and fittings
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Contents
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 £14.20 per month
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*The price is for building and £2 million property owners’ liability insurance only – 10% of customers paid £170.45 or less annually in 1st Jan – 31st May 2024. Equivalent to £14.20 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
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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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
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 24/04/2024.
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
Covering the cost of accidental damage
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.
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.
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.
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.
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.
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.
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.
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