Landlord accidental damage cover
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Rated 4.7/5
Based on 39,328 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.
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
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 £13.26 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.
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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
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
Rosie’s costs
£0
The excess amount stated in Rosie’s policy terms
Chosen by 800,000 small businesses and landlords
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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 £13.26 per month.
To work this out, we take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July to 31 December 2019). 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:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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