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.
LetCompliance is landlord software from £7.99 a month that runs the whole let (the advert, the tenancy, the rent and the tax). It records every policy against the property with its renewal date and reminds you 90, 30 and 7 days before it renews. It is not an insurer or a broker, and does not sell insurance. Get started
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.
More scenarios
