We use cookies to improve this site and enable full functionality. You can change your cookie settings at any time using your browser. Our cookie policy.

Tenant Legal Liability Insurance Products

Compare 39 products offered for Tenant Legal Liability Insurance from 26 companies including Covéa Insurance, Simply Business, and Thames Underwriting Ltd.

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 21 to 30 of 39
Product name Max Coverage Min Premium Exclusions
Rent Guarantee by UK General Insurance Ltd Max Coverage N/A Min Premium N/A
  • policies sometimes have an exclusion period
  • the policy excess is usually defined as the first month’s unpaid rent


more details
Students’ Contents by UK General Insurance Ltd Max Coverage N/A Min Premium N/A
  • wear and tear


more details
Tenants’ Contents by UK General Insurance Ltd Max Coverage N/A Min Premium N/A
  • any loss or damage to the property resulting in theft, attempted theft or malicious acts by you or any member of your family
  • wear and tear or any gradual deterioration


more details
Tenants by Towergate Insurance Max Coverage N/A Min Premium N/A
  • claims arising from normal wear and tear
  • deliberate damage


more details
Student Landlord by Towergate Insurance Max Coverage N/A Min Premium N/A


more details
DSS Landlord by Towergate Insurance Max Coverage N/A Min Premium N/A


more details
Commercial Landlord by Simply Business Max Coverage N/A Min Premium N/A


more details
Residential Landlord by Simply Business Max Coverage N/A Min Premium N/A


more details
Commercial Landlord by MSL Legal Expenses Ltd Max Coverage GBP50K Min Premium N/A


more details
Landlords LEI and Rental Guarantee by General Legal Protection Ltd Max Coverage N/A Min Premium N/A


more details

 

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.