Is Accidental Damage Included with this Policy?

If you have taken out buildings insurance then accidental damage is covered for breakage of fixed glass, solar panels, sanitary fixtures and fittings and ceramic hobs. Also covered is the cost of repairing accidental damage to oil pipes, underground water supply pipes, sewers, drains, underground gas pipes and electricity cables.

If you have taken out contents insurance then accidental damage is not included, however we would recommend that you make it a condition of your tenancy agreement that your tenants arrange contents insurance to cover their personal possessions. We provide a policy from Rent Guard that would also give your tenants legal liability cover up to £2million and legal liability cover to the landlord. This means that if they damaged any of the landlord's possessions they can make an insurance claim for the cost of the damage. This could also protect the tenant's deposit.