Best landlord insurance with accidental damage cover
Accidental damage covers one-off insured events (spills, dropped items) distinct from gradual wear. It is an optional buy on many landlord policies.
Not financial advice. Insurance is a regulated product. Compare quotes from FCA-authorised firms only.
Who this is for
Furnished lets, HMOs and family lets where tenant-caused damage risk is material.
Must-have cover points
- Clear AD definition in the policy booklet
- Matched excess for AD vs standard perils
- Photo inventory to support claims
Watch out
AD does not cover gradual deterioration; insurers distinguish damage from maintenance.
How this compares
Often a separate extension; may require a police crime reference.
FAQs
Is accidental damage worth it on unfurnished lets?
Lower priority if you supply no furniture; higher for furnished HMOs and student lets.
Does AD cover tenant negligence?
Sometimes, if sudden and accidental. Negligence leading to long-term leaks may fall under escape of water wording instead.
Related compliance
Insurance sits alongside licensing, safety certificates and tenancy compliance.
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