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 for up to £10,000 if you accidentally cause damage to your landlord's furniture, fixtures and fittings. 

Protect against deposit deductions

Tenants Liability Insurance can reduce the risk of 'end of tenancy' deductions as it covers the cost of fixing accidental damage to your landlord's items.  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

How much does Tenants Liability Cover cost?

At HomeLet we offer a fixed price Liability policy for a standard £10,000 of cover for £8.50 per month.

You can upgrade this policy to our Contents Insurance incorporating Tenancy Liability from £11.00 per month which will also include Contents cover for your personal possessions up to the value of £50,000.

This price does include Insurance Premium Tax (IPT) but it doesn't include a monthly admin fee of £1.99 if you choose to pay for your policy monthly.

How much cover do I need?

HomeLet offer £10,000 as standard for our Tenancy Liability Policy.  Your landlord’s fixtures, fittings and any furniture or contents they provide, such as a sofa, table and chairs, white goods and beds for example can work out to be very expensive if they are accidentally damaged and you need to repair or replace them. 

HomeLet’s Tenancy Liability Insurance will also cover the costs of labour if necessary, to repair or replace the item.  For example items such as kitchen worktops, doors, windows, if damaged will require the skills of a professional to replace these.

Our Tenancy Liability Policy covers you up to the value of £10,000.  As with any insurance it’s important to be sure you have a sufficient level of cover otherwise you could be responsible for any additional cost in the event of accidental damage to your landlord’s contents. 

Other providers may offer policies at a lower cost but with lower levels of cover so it’s up to you to decide what is a suitable amount of cover for your needs.  Consider what fixtures, fittings and any furniture or contents your landlord provides and what it could cost to replace these when you’re thinking about what cover is right for you.


How is this different from my security deposit?

Tenants Liability Insurance is not a replacement for your security deposit.

The cover is designed to reduce the risk of deductions from your deposit.  It pays out for some of the most common reasons a landlord might keep your money at the end of your tenancy.  It's worth noting that you shouldn't leave it until you move out to make a claim.  Most insurance providers give a maximum of 30 days after the incident for you to make one.

It won't protect you for deductions from your deposit where you haven't paid all your rent or utility bills, or don't leave the place sufficiently clean.

How do I get insured?

There's two main ways to get insured, you can buy online and arrange your cover quickly and easily.   HomeLet also makes it easy for you to buy on your mobile with our fully mobile friendly site, so you can even get insured on the go!

Get a Quote >

Or you can give us a call and one of our friendly team will be happy to either answer any questions you might have about our cover, or help arrange your insurance over the phone.

  • 0800 035 8258

We're open from 8:30am-8pm Monday to Friday and 9:30am-1pm Saturday - we're always happy to help.

Issues covered by Tenants Liability Insurance 

A few of the claims paid out under a HomeLet Tenants Liability Policy have included (but are not limited to);

  • Accidental damage to doors, windows, mirrors and other furniture
  • Accidental damage to kitchen appliances i.e. a smashed oven door, a dented hob
  • Accidental damage to worktops or flooring, from for example, a hot pan left on worktops, spillage of wine or paint on carpet
  • Water damage by escape of water from cleaning appliances such as dishwashers and washing machines
  • Fire damage from a candle. This could range from minor smoke damage to more extensive fire damage

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 0358258 (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.

feefo sq gold service 2019 grey yellowFeefo Gold Merchant 2019

We have been awarded as a Feefo gold merchant for 2019, this means our rating has been above 4.6/5 throughout the entirety of 2018. Our tenants insurance has been given a customer experience rating of 4.6 out of 5 by 6136 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

* Tenancy Liability Insurance costs £8.50 per month. Contents Insurance incorporating Tenancy Liability starts at £11 per month; prices shown include 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 distribution.