What is Tenants Liability Insurance?

Tenants liability insurance provides protection if you’re a tenant renting a property, it covers accidental damage to the things that are provided by your landlord. This could include the landlord’s furniture, fixtures and fittings, which you might be liable for under your tenancy agreement.


HomeLet's Tenants Liability cover explained

Our Tenants’ Liability Insurance covers your legal liability under a tenancy agreement if you accidentally cause damage to your landlord's furniture, fixture and fittings.  It covers you for up to £10,000 and it may be a requirement of your tenancy agreement to ensure you have a sufficient level of cover.

Tenants Liability Cover includes everything from your landlord's chairs and tables to fixed kitchen appliances and lights. We also give you the option of upgrading to add £50,000 worth of Contents Cover for your own possessions you keep in your home if they are stolen or damaged such as your laptop, tablet or mobile phone to give you peace of mind.  Tenants Contents Cover is similar to home contents insurance but it is specifically designed for renters.  You also have the option to cover single items away from the home.  This is our Specified Items cover and is available as an additional extra.

It’s important to be aware that any malicious act, theft or attempted theft by you, a member of your family or anyone else who you allow into your home is not covered by Tenancy Liability Insurance. Damage caused by wear and tear isn’t covered either.

Watch our quick video to find out more about Tenant Liability Insurance


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Simply get a tenants insurance quote from HomeLet today and we’ll automatically enter you into our New Year prize draw. Be in with a chance of winning 1 of 3 amazon vouchers. To find out more please read the full terms and conditions.

Find out more


Can I extend or cancel my Tenants Liability Insurance?

Our Tenancy Liability cover is available for a period of 12 months, after which your policy can be renewed for further 12-month policy terms until you wish to cancel it.

If you purchase this cover but change your mind, you have 14 days from either the purchase date of the policy or the date on which you receive the policy documents (whichever is later) in which to cancel it free of charge. As long as no claim has been made during this period, we’ll provide a full refund.

After 14 days has passed, you can cancel your policy at any time by calling our team on 0800 035 8258 (selecting option 2). Providing no claim has been made, we’ll refund a percentage of your premium calculated in proportion to the period of cover that remains unused.


What do our customers say?

Our tenants insurance has been given a customer experience rating of 4.6 out of 5 by 5,780 of our customers, through independent feedback from Feefo.

You can see feedback from our customers on our Feefo page


Making a claim on your Tenancy Liability policy

Our claims line is 0330 333 7230.

Lines are open Monday to Friday 9am - 5pm.

In the unfortunate event that you need to make a claim, we’ll be on hand to help you every step of the way.

Find out more about making a claim


* Cover Tenancy Liability Insurance costs £8.50 per month. Contents Insurance incorporating Tenancy Liability starts at £11 per month; these prices includes Insurance Premium Tax (IPT) at the current rate, as set by HMRC. Please note that a monthly admin fee of £1.99 will be payable if you choose to pay for your policy monthly. 

HomeLet is a leading supplier of Landlord Insurance, Tenant Referencing and Tenant Insurance. HomeLet is a trading name of Barbon Insurance Group Limited which is authorised and regulated by the Financial Conduct Authority for insurance mediation