Landlord Insurance with Accidental Damage Cover

LANDLORD INSURANCE WITH ACCIDENTAL DAMAGE COVER

Guide on landlord insurance with accidental damage cover*

First off, accidental damage is defined as an unexpected or sudden loss that's not deliberate or motivated by malice, vindictiveness, or spite. Such loss or damages can be caused by the landlord, tenant(s), or a visitor.

  • As a result, you'll need to purchase landlord insurance with accidental damage cover to cover repair or replacement costs in case your rental property or its contents are accidentally damaged.

  • Contents are the items you've put in your rental property for tenants to use. This includes furniture, appliances fixtures, fittings, floor coverings, locks, and so on.

  • Some features of accidental damage may come standard in your full landlord insurance policy, or you may need to buy it as an added extra for additional protection.

  • Either way, it's important to estimate the replacement value of your contents and rebuild value of your property as accurately as possible to ensure you're fully covered if you make a claim.

What does this cover pay for?

As stated earlier, an accidental damage cover can protect landlords against genuine accidents like unintentional spillage or breakage.

Here are a few scenarios that this cover can pay for:

  • Replacing your carpet if a tenant accidentally spilt red wine on it

  • Repairing a wall if it was accidentally damaged while putting up shelves

  • Outdoor accidents like a child causing damage by accidentally throwing a ball through the window

  • Replacing a kitchen work surface damaged by a hot pan

  • DIY accidents

This is simply a guide since the exact incidents that are covered vary from one insurer to the next. Plus, insurance providers define accidental damage differently.

It's important to fully understand the cover, as well as any limitations included, before committing to it.

Failure to do so could leave you without vital financial support if the unexpected happens and affects your business. Understanding the policy will also help you determine how much coverage you need.

What's not covered?

Accidental damage doesn't cover general wear and tear, your tenants' belongings, and damage caused by poor workmanship.

Some insurers also exclude, damage caused by pets.

They can't insure against poorly behaved or untrained pets since the damages they cause isn't unexpected.

Cost

  1. It's a bit difficult to give the exact cost of this policy because every landlord's needs are different.

  2. It helps to consult a regulated insurance broker who will ask the relevant questions and measure your risk exposure to give an accurate estimate of the right cover for your needs.

Some of the main influencers on price include the extent of cover required, the value of your property, and size of your property.

Conclusion

  • Some landlords think they don't need landlord insurance with an accidental cover because the damage deposit they've taken from tenants could cover tenant damages.

  • Unfortunately, you won't be able to access that money until the tenant has moved out.

  • Holding off on repairs doesn't just affect your rental business but also gives room for the damages to intensify.

  • Repair/replacement costs may also be higher than the damage deposit, leaving an accidental cover as the best solution for such uncertainties.

Need a quote?

Compare quotes on landlord insurance with accidental damage cover.

Hit us up on Social media


Recent Articles

  1. Motor Trade Insurance Comparison and Free Guide | UKLI Compare

    Jul 09, 25 05:33 PM

    Motortrade insurance
    Compare motor trade insurance quote and and read information on traders insurance before you buy a policy.

    Read More

  2. Part-Time Motor Trade Insurance Comparison | UKLI Compare

    Jul 09, 25 05:32 PM

    Motortrade insurance
    Compare part-time motor trade insurance quotes and see the difference in price when you use a good comparison website like UKLI Compare.

    Read More

  3. Motor Trade Insurance Without No-Claim Bonus | UKLI Compare

    Jul 09, 25 05:31 PM

    Motor trade insurance 44
    Motor trade insurance without no-claim bonus accumulation can be high priced either you pay monthly or annually, whatever reason compare the market.

    Read More

  4. Compare Landlord Insurance Quotes - Save Time & Money | UKLI Compare

    Jul 09, 25 04:54 PM

    landlord-insurance-compare-Background-3
    Compare landlord insurance quotes and adequately cover your assets with buildings and contents insurance, or add extra landlord protection.

    Read More

  5. Compare Horsebox Insurance | Get Quotes Fast | UKLI Compare

    Jun 18, 25 07:37 PM

    horsebox
    Compare horsebox insurance and save a bit of cash by finding the insurer who comes out on top and the one your happy with. All horse boxes, from old to new.

    Read More

  6. Compare Taxi Insurance Quotes and Save a Penny or Two | UKLI Compare

    Jun 17, 25 09:41 AM

    Compare taxi insurance quotes with the best taxi insurers you want to take a policy out with and you could save time and a lot of money taking a quote from.

    Read More

  7. Taxi Fleet Insurance Online Quotes | UKLI Compare

    Jun 17, 25 09:35 AM

    Taxi fleet
    Compare taxi fleet insurance quotes in minutes and be on your way to a new taxi policy for 2+ taxis and...

    Read More

  8. HGV Goods in Transit Insurance | UKLI Compare

    Jun 17, 25 09:09 AM

    hgv instructor insurance
    Get ready to compare HGV goods in transit insurance quotes from the top truck insurance companies in the UK and do it quickly.

    Read More

  9. Compare HGV Insurance Quotes & Fast | UKLI Compare

    Jun 17, 25 09:04 AM

    HGV Fleet Insurance Quotes
    Compare HGV insurance quotes and get prices from the UK's leading HGV insurers for an excellent policy. Goods in transit insurance is available too.

    Read More

  10. HGV Fleet Insurance Quotes | UKLI Compare

    Jun 17, 25 09:02 AM

    HGV Fleet Insurance Quotes
    HGV drivers and business owners compare HGV fleet insurance from the UK's top rated insurers in one swift go.

    Read More

  11. Short Term HGV Insurance | Temporary HGV Insurance | UKLI Compare

    Jun 17, 25 08:50 AM

    short-term-hgv-insurance
    Do you need short term HGV insurance for a week and a month or even shorter periods? Compare quotes, and you could get cheaper temporary HGV insurance.

    Read More

  12. Commercial Solar Panel Installers Scotland | Get Local Quotes

    May 16, 25 06:36 PM

    commercial-solar-panel-installers-scotland
    Commercial solar panel installers Scotland | Get the helping hand you need from starting your solar installation right through to the finished result and...

    Read More

  13. Commercial Solar Installation London | UKLI Compare Solar

    May 16, 25 06:32 PM

    Solar London
    Compare quotes on commercial solar installation in London and get the best possible price and a cost breakdown before you even start talking to serious installers wherever you live in London.

    Read More

  14. Grants for Commercial Solar Panels | UKLI Compare

    May 16, 25 06:18 PM

    grants for commercial solar panels
    Here is a detailed guide on grants for commercial solar panels for your small, medium or large business in the UK and...

    Read More

  15. Solar Panel Installation | Home & Commercial Installs | UKLI Compare

    May 16, 25 06:06 PM

    COST OF SOLAR PANEL INSTALLATION QUOTE
    Compare solar panel installation quotes and get the best possible price and quality installation practices with the right installers you can count on and...

    Read More

  16. Solar Panel Quotes: Get a Quote Near You and Fast!

    May 16, 25 06:03 PM

    Compare solar panel quotes from local solar installers and let the right one help you execute and plan your new solar install from start to finish.

    Read More

  17. Solar Panels Glasgow - Free Quotes To Find The Right Installer

    Apr 28, 25 01:33 PM

    Solar panels Glasgow quote page where you can find the right installer with the right price to match and for free with our local quote tool to find quotes near you.

    Read More

  18. Solar Panels Birmingham - Get You The Right Solar Quote

    Apr 28, 25 12:30 PM

    Discover the top installers for solar panels in Birmingham with expert advice. Explore prices, installation, and grants for an informed decision.

    Read More

  19. Compare Minibus Insurance | Quotes Business, Schools | UKLI Compare

    Apr 21, 25 02:56 PM

    Minibus insurance
    Compare minibus insurance quotes for 9 seaters and 17 seaters and you could save a lot of time and money.

    Read More

  20. Best Motorhome Insurance Quotes Online | UKLI Compare

    Apr 21, 25 02:19 PM

    motorhome-insurance
    Compare the best motorhome insurance quotes from Britain's leading insurers and you could save a lot of time and money today.

    Read More

  21. Home Solar Panels Scotland - Get Quotes From Local MCS Installers

    Apr 15, 25 05:04 PM

    solar panels
    Approved MCS home solar panels Scotland. Get the right installers on the job the first time around.

    Read More

  22. HOME-SOLAR-TEMPLATE

    Apr 15, 25 03:41 PM

    Home Solar
    HOME-SOLAR-TEMPLATE

    Read More

  23. Compare Office Surgery Insurance Quotes Online | UKLI Compare

    Apr 14, 25 01:15 PM

    office surgery insurance quotes
    Cover your surgery with office surgery insurance and compare quotes to find the perfect policy for your surgery fast.

    Read More

  24. Private Landlord Insurance for Private Tenants | UKLI Compare

    Apr 14, 25 12:31 PM

    landlord-insurance-unemployed-tenant
    Compare private landlord insurance quotes and find better prices in no time and get your tenants sorted with the right insurance from day one. If you know...

    Read More

  25. Landlord insurance | Housing Benefit? | UKLI Compare

    Apr 14, 25 11:58 AM

    landlord-contents-insurance
    Need to know more about tenants who claim housing benefits or insuring them, it's all here landlords.

    Read More

  26. Landlord Insurance for a Limited Company | UKLI Compare

    Apr 14, 25 11:31 AM

    LANDLORD INSURANCE FOR A LIMITED COMPANY
    Do you need landlord insurance for a limited company? Take the hassle out of getting quotes and talking to unnecessary insurance companies a service that works

    Read More

  27. Compare landlord contents insurance quotes, fast | UKLI Compare

    Apr 14, 25 11:01 AM

    Best landlord insurance
    Compare the market for landlord contents insurance and find great online prices you'll be happy with. Works perfectly for UK landlords.

    Read More

  28. 7.5 Tonne Motorhome Insurance | Compare Quotes | UKLI Compare

    Apr 14, 25 10:00 AM

    7.5 Tonne Motorhome Insurance
    Compare 7.5 tonne motorhome insurance quotes and walk away with a good policy for a decent monthly or annual price.

    Read More

  29. VW Campervan Insurance & Motorhome Comparison | UKLI Compare

    Apr 14, 25 09:40 AM

    camper insurance
    If you are looking for VW campervan insurance or a VW motorhome policy for your transporter or your T25 or a classic T1 or T2 you can do it here.

    Read More

  30. Compare Cheap Campervan Insurance Quotes Online | UKLI Compare

    Apr 14, 25 09:38 AM

    campervan image 3
    Compare cheap campervan insurance from specialist campervan insurance companies and win a good price.

    Read More