Tenant’s Liability
Protection for tenants, and peace of mind for landlords
Tenant's Liability Insurance protects customers against the cost of accidental damage to their landlord's property, including buildings, household goods, and furniture. It's a straightforward way to give tenants confidence and landlords reassurance, without either side worrying about the cost of an accident.
Cover for the Cost of an Accident
Accidents happen, even to careful tenants, and the cost of putting things right can be a genuine worry for someone renting a property. Tenant's Liability Insurance covers the cost of accidental damage to a landlord's property, so a broken item or a damaged wall doesn't turn into a dispute or an unexpected bill.
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Protection Against Accidental Damage
Cover applies to the cost of accidental damage to the landlord's buildings, household goods, and furniture.
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Fixtures and Fittings Covered
Cover extends to fixtures and fittings the tenant is legally responsible for, such as television, satellite, and aerial equipment, including aerial fittings and masts fixed to the property.
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Flexible Policy Terms
Policies are available for 6 or 12 months, so cover can be matched to the length of the tenancy agreement in place.
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Cover Limits up to £10,000
Partners can choose the level of cover that suits their customers, up to a maximum of £10,000.
what the policy covers
Cover for the Property You're Responsible For
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Landlord's buildings
Cover for accidental damage to the structure of the property itself, where the tenant is legally liable for the cost of repair.
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Household goods and furniture
Cover for accidental damage to household goods and furniture provided by the landlord as part of the tenancy.
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TV, satellite, and aerial equipment
Cover for damage to aerials, aerial fittings, and masts fixed to the property, which tenants are often legally responsible for maintaining.
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Accidental damage by Pets
Cover for accidental damage to the property caused by tenants’ pets, subject to the terms and conditions of the policy
Eligibility
Who Can Take Out This Cover
Tenant’s Liability Insurance is designed specifically for people renting a property under a formal agreement, rather than homeowners or informal living arrangements.
Tenants with a tenancy agreement
Cover requires the property to be let under a recognised tenancy agreement, giving both tenant and landlord clarity over responsibility.
Renters looking for 6 or 12 month cover
Policy terms are available to match typical tenancy lengths, whether that’s a standard six-month tenancy or a full year.
Tenants wanting cover up to £10,000
Partners can choose the level of cover that suits their customers, up to a maximum of £10,000.
Why choose Coplus
Trusted Property Ancillary Partner
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Industry experience since 1988
Tenant's Liability Insurance works best when a claim is handled fairly and quickly for everyone involved. Our long-standing experience in property ancillary products means partners get a proposition that holds up in practice, not just on paper.
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Flexible terms built around real tenancies
With cover available for 6 or 12 months and limits up to £10,000, the product can be shaped to fit typical tenancy agreements rather than forcing a one-size-fits-all policy.
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In-house claims management expertise
We manage claims using the same in-house teams behind our wider claims services, so tenants get a consistent, fair experience when something goes wrong.
Our range of property ancillary products
Related Property Products
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Home Emergency Cover
Access to a qualified, approved tradesperson, day or night, when something goes wrong at home.
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Home Excess Protection
Covers the excess when a customer claims on their home insurance, for homeowners and tenants alike.
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Key Insurance
Cover for lost, stolen or broken keys, for both home and vehicle, as modern keys become costlier to replace.
Frequently asked questions
Tenant’s Liability FAQs
What does Tenant's Liability Insurance cover?
It covers the cost of accidental damage to a landlord’s property, including buildings, household goods, and furniture, as well as fixtures and fittings the tenant is legally responsible for, such as TV, satellite, and aerial equipment.
Does this cover normal wear and tear?
No. The policy covers accidental damage only. Gradual deterioration from everyday use is not covered.
What policy terms are available?
We offer 6 and 12 month policies.
Do tenants need a formal tenancy agreement to take out this cover?
The policy covers damage the tenant is legally responsible for under their tenancy, so a tenancy agreement should be in place.
Does this replace the landlord's own buildings or contents insurance?
No. It protects the tenant’s liability for accidental damage. Landlords still need their own buildings and contents insurance.
Is damage caused by pets covered?
Yes, with a £75 excess.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
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