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Accidental Damage To Landlord's Property—Tenant's Liability

Tenant's Liability

When you rent a furnished property, you may be responsible for insuring the landlord’s furniture and other contents.

We can cover up to £10,000 which includes accidental damage to your landlord’s household goods, furniture and furnishings within the insured address.

This means that if the landlord's property is stolen or damaged accidentally whilst in your care, we will cover the costs up to a maximum of £10,000.

Why do I need tenant's/tenancy liability insurance?

Landlords, accommodation providers and letting agencies are likely to hold you accountable for any costs for theft or damage to their property and many of them now ask their tenants to have some liability insurance in place. If your privately rented flat, house or shared accommodation is fully or partly furnished, tenant's liability will make sure you can afford to cover the cost of replacing or repairing your landlord's contents.

What is covered?

We will pay, at our discretion direct to the landlord, up to the amount shown in your schedule, for sums which you become legally liable to pay as damages under the terms of a formal tenancy agreement in respect of:

  • Accidental damage to your landlord’s:
    • Fixed glass
    • Sanitary ware,
    • and Ceramic hobs in fixed kitchen appliances.
    • Accidental damage to drains, pipes, cables and underground tanks providing services to or from the insured address.
    • Accidental damage (optional), increase cover up to £10,000 for your landlord’s household goods, furniture and furnishings within the insured address being damaged.

Tenant's Liability As Part Of A Tenant's Contents Insurance

You can also include cover for your tenant's liability insurance, for accidental damage to the landlord's property, as part of a tenant's contents insurance policy.

Policy Documents

If you purchase Essentials Product Insurance from Cover4Insurance, we will send you an email confirming your purchase of cover and provide you with your personal essentials insurance policy schedule, policy wording and policy summary documents. You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid. We also provide the option below for you to view and download the Essentials Insurance Product — Policy Wording and Policy Summary documents, so that you can view prior to purchase or at any time after.

How to view the policy documents

The essentials insurance policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the
Adobe website or visit Access Adobe for help.To view your documents, please click on the links below:

Policies Purchased after 01/08/2023   
Adobe PDF Policy Wording  Claims Form 
Adobe PDF Policy IPID  
Policies Purchased after 01/03/2023
Policies Purchased up to 01/03/2023
Adobe PDF Policy Wording  Claims FormPolicy Wording Adobe PDF
Adobe PDF Policy IPIDPolicy IPID Adobe PDF
Insurance Product Information Document.


For all claims except Legal Expenses claims:

Please fill in a claims form:  Make A Claim

Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:

Cover4tenants Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

Telephone: 0161 974 1101

Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.

Please include the following details:

  • Receipts, bills, valuations or repair estimates as appropriate for all claims for loss or damage.
  • Full details of accident or injury and early prognosis for personal accident claims.

All claims for theft or loss must be reported to the police.

For all Legal Expenses claims:

Legal Claims Notification & Advice Helpline Service: - 01384 887575

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.

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