What is Accidental Damage Cover?


What is Accidental Damage?

Accidental damage insurance is there to keep you covered against the cost of repairs or damage to the buildings and contents. Following an unexpected accident or crisis. You can have accidental damage as part of your flexible landlord insurance policy. This is sometimes included within your policy or can be an optional extra. It is important that you double-check before buying.

Accidents will happen but what does accidental damage cover in your landlords’ insurance?

The definition is uniform across insurance policies. If damage occurs because of an unexpected, non-deliberate or external action by a third party. This could mean that the damage is unintentional. A one-off incident that harms your property or contents. Such examples of this are dropping a mobile phone in a sink and breaking it or spilling a glass of red wine on a new beige carpet. It is important that you understand that all policies are different and may not include this cover.

Also, some policies do a new for old whereby you will get a new replacement, but some are on a like for like basis and you need to check.

Not every policy has accidental damage insurance. For instance, some will cover it but not cover the damage to unoccupied areas. It may not cover damage caused by pets or malicious damage. Not covering contents unless the contents cover is added. It is important you understand the difference between accidental damage and malicious damage. Please do not hesitate to read our articles.

Is DIY damage included?

Accidental damage insurance protects you against DIY accidents. This also includes home mishaps such as spilling wine on a sofa etc. It all depends on the terms of your policy. So, it is important that you do check this at length. Be aware that it may not cover some plumbing and electrical work that an amateur has completed under DIY such as drilling through a water pipe. Contractors have their own insurance to cover their work. Which is professional indemnity insurance.

Accidental damage accounts for half of all contents insurance claims. These relate to home or buildings cover. Landlords must differentiate between the two and check you have the right type of cover. The insurance does not cover general wear and tear. In most cases it will exclude damage by domestic animals or bad workmanship.

What does it cover?

Accidental damage is the cost of repairing or replacing property. Or contents damaged in a one-off incident. The cover could come under your landlords’ contents insurance. So, it is important to check the level of cover. Not all insurers have it within their policy, so it is important that you check. It is an optional extra with some insurance companies, so it is best to check. It will not cover you for wear and tear of an item over a period. This, for instance, maybe a carpet that has worn out over a period and become threadbare. Which would not be a one-off event. If the tenant has their own furniture or belongings within the property. It does not cover these either. It is important to familiarise yourself with the policy. To understand what is included and what is not.

You can buy extra damage cover as part of flexible landlord insurance from iInsure365. Or many other key landlord’s covers. Make sure you read and understand any exclusions on your policy before you buy it. It is unlikely that a conventional home insurance policy would cover you for a buy to let property. So, check the insurance is in place and decide what is required.

How much does accidental damage buildings insurance cost?

Talk to us and we will be able to give you a quote to include this within your policy. We will also be able to provide you with the extent of the cover and the sum insureds you might have. The size or value of your property must also be taken into consideration. For example, a landlord with one domestic property. Would pay a very different price for cover for a landlord who wanted to cover a large portfolio. Both domestic and commercial. It is important that you discuss these with us so that we can help you.

What does the landlord insurance cover?

It is up to your tenant to insure their valuables with their own contents insurance policy. But some landlords’ insurance policies will cover contents up to a certain limit.

Landlord insurance policies also tend to include public liability insurance. This covers you against injury to your tenants or damage to their belongings. As a result of leaving the property.

There are various extra options when it comes to landlords’ cover. Just call our registered office to discuss a quotation.

Accidental damage claims can be quite difficult to deal with. It would be best if you spoke to us regarding these. Any accidental damage claim could involve various areas within your policy. It is important you get confirmation of whether it is a claim that you can make.

Landlords and buildings insurance what does it cover?

Building insurance covers several risks, including full replacement or repair costs for your property following an insured event. This could include clearing the site in case of complete destruction.

Building insurance for all landlords will generally cover you if the property gets a number of different risks including;

Fire or smoke



Vandalism or malicious damage

Lightening, storm, or earthquake

Burst pipes.

Impact caused by vehicles.

Falling trees, animals, aircraft and ariels

Civil commotion

Property owner’s liability

When you get a quote from Iinsure you will need to know the rebuild value of your property.

Do I need landlords and building insurance?

Landlords’ insurance is essentially an encompassing term for different insurances available to you as a landlord, which includes building and contents insurance for your let property. Speak to us about what is covered.

If you have a mortgage on your rental property, it is normally a requirement sent by your bank or mortgage provider that you have building insurance in place. They will sometimes also ask to be noted as an interested party on your policy. So, if you are unsure please check with them.

Property portfolio insurance.

This is for landlords who own a few properties. It is a convenient and usually cost-effective way of covering buildings on all of their let properties. All are under one policy with one premium and one renewal date.

Not only does it make the paperwork less taxing, but usually discounts will be applied for more properties that add to the policy making it more cost effective.

What type of landlord insurance do I need?

It is completely up to you what type of landlord insurance you chose for you rental property. You should consider all scenarios when you decide what covers are needed in place.

What is block of flats insurance?

This is for landlords who own entire blocks of flats. The policy will provide comprehensive cover for the entire building, factoring in that the flats will either be leased or rented out by the freeholder. Blocks of flats insurance does not just refer to large residential blocks it can cover commercial tenants as well.

What does building insurance cover in flats?

To make sure your investment is protected, you should consider whether you need building insurance for your block of flats. It may even be a requirement of your mortgage provider. Blocks of flats building insurance will provide cover for all major risks. These will include fire, thief and flood. There will be additional options available as well.

What does landlord insurance cover apart from accidental damage?

There are always different types of landlord insurance cover that covers different risks. Building insurance covers the cost of repair and rebuilding of property, whilst content insurance covers your contents if they are stolen or damaged.

When you are purchasing a landlord insurance policy you can choose the insurance you need based on the risks you want to cover. Landlord insurance policies include building insurance, contents insurance and owners public liability together with many more. There are a lot of covers you can add to so it is totally something you need to look into.

Does landlord insurance cover contents?

Landlord insurance normally does cover contents but you should always check with your policy. If you have landlord insurance cover, household items like appliances will be covered in case of fire or flood. You need to ensure that tenants contents will be covered under their own contents insurance.

Does landlord insurance cover the building?

Landlord insurance does cover the building, as long as you have landlords insurance as part of your policy, landlords building insurance can cover the cost of repairing or rebuilding your property if it is damaged by fire, flood or vandalism. If you own your own flat and the freeholder is responsible for buying landlord insurance then it may be something you may not need to do.

Does the landlord insurance cover fire?

Most comprehensive policies for landlords building insurance include repair and reconstruction of the building if it is damaged by fire.

Does the landlord insurance cover water damage?

Water damage is generally known as flood cover. You should always check your policy to see whether this is included. It can depend very much on area, so it is something you need to look at.

You should always look at your policies to make sure that the insurance is exactly what you require. Every policy is different and so are insurance companies. It is therefore something you need to make sure that your cover is adequate for what you require. Under the insurance act it is now down to the client to take out the right correct policy.

Do you want instant quotes? Why not look at our instant cover here, that can get up to three different quotes?

Do you want unoccupied insurance why not click here?

Do you want commercial property policy, click here for an instant quote.

How do I arrange insurance?

Arranging your insurance does not have to be long winded process. With Iinsure 365 all you must do is call us on 01273 827090 or fill out our request for a call here. We will then take the time to get you and your property portfolio so we can ensure you are getting the right cover. We always ensure that this is at the right price for you through our leading panel of insurers. Once you have received your quote you will simply let us know whether you want to go ahead, and we will set it up for you.


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