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Tenant Legal Liability Insurance Products

Compare 39 products offered for Tenant Legal Liability Insurance from 26 companies including General Legal Protection Ltd, Intasure, and David Oliver Associates.

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. Need more info? Our Frequently Asked Questions can break down Tenant Legal Liability in more detail.

Compare Tenant Legal Liability Insurance Policies

Products 11 to 20 of 39
Product name Max Coverage Min Premium Exclusions
Student by Equine and Livestock Insurance Company Ltd. Max Coverage GBP1M Min Premium N/A
  • use of insured property for anything except social, domestic or pleasure purposes


more details
Residential Landlord by AXA Insurance Max Coverage GBP10M Min Premium N/A


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Home by Aviva Insurance Services UK Ltd Max Coverage N/A Min Premium N/A
  • theft or malicious damage by tenants


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Real Estate by Covéa Insurance Max Coverage GBP2M Min Premium N/A
  • specific types of loss or damage (see specific policy wording)


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Landlords' Legal Solutions by ARAG plc Max Coverage GBP50K Min Premium N/A
  • damages that arise from a contract other than a tenancy agreement
  • prosecutions alleging violent acts, dishonesty or relating to illegal drugs or alcohol, illegal immigration or indecent or obscene materials
  • trespass by a tenant or ex-tenant


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Residential Property Owners by Thames Underwriting Ltd Max Coverage GBP5M Min Premium N/A


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Property by MS Amlin Max Coverage N/A Min Premium N/A


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Rent Guarantee by Gresham Underwriting Ltd Max Coverage GBP25K Min Premium N/A


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Takeaways by Incorporated Insurance Group Ltd Max Coverage GBP100M Min Premium N/A


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Social Housing by Zurich Municipal Max Coverage N/A Min Premium N/A


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Frequently Asked Questions

(click to expand)

 

What Is Tenant Legal Liability Insurance?

Tenant Legal Liability insurance provides coverage for loss or damage caused to rented properties. When someone rents a property, they may purchase a separate Contents insurance policy but they are also legally liable for any loss or damage caused to the property. Home insurance policies are not suitable for those renting properties, however a Tenant Legal Liability insurance policy will be more appropriate in filling the gaps in coverage.

 

Unlike Renter’s insurance, Tenant Legal Liability provides policyholders with the option of insuring a building that is not lived in by the owner. However the only type of loss or damaged that can be covered are those caused by the tenant.

What Is Tenant Legal Liability Insurance?

Tenant Legal Liability insurance is generally for:

 

  • Landlords
  • Property owners
  • Property management companies

Those renting out, leasing or managing properties for private use may need financial protection in the case of tenant-caused property damage losses. Some landlords or property owners may add the premium amounts owed to the rent as an additional expense to the property.

Depending on the tenancy agreement, landlords may request payments for costs towards repairs. Tenants may take out their own Tenant Liability insurance policy so that they are covered if they cause any damage to the property or furniture, fittings and fittings. While a deposit may cover any loss or damage caused during a tenant’s stay, the amount may not be enough to cover the costs of any accidental damage caused.

The benefit of a landlord taking out a Tenant Legal Liability insurance policy over a Tenant taking out Renter’s insurance is that the coverage limits are higher with the former.

What Does Tenant Legal Liability Insurance Cover?

A Tenant Legal Liability insurance policy will generally cover loss or damage caused by a tenant to a property, furniture or fixtures belonging to a landlord against the following:

 

  • Fire
  • Water
  • Smoke
  • Explosions
  • Leaks

What Is Not Included In Tenant Legal Liability Insurance?

As a Tenant Legal Liability insurance policy is specific there are certain types or causes of loss and damage are not generally included, including:

 

  • intentional damage
  • damage caused whilst the property is unoccupied for more than 30 days
  • gradual wear and tear
  • existing damage
  • damage caused by pets
  • damage caused to property not belonging to the landlord

How Much Does Tenant Legal Liability Insurance Cost?

A Tenant Legal Liability insurance policy will be determined based on the following:

  • age of the property
  • size of the property
  • location of the property
  • value of covered items (eg furniture, fittings, fixtures)

As well as being a standalone insurance policy, Tenant Legal Liability can also be combined or added onto a Commercial General Liability possible where appropriate. A deductible will normally be required for standalone policies.