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Accidental Damage Insurance

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Accidental Damage Insurance

Make sure that you are covered for any eventuality with accidental damage insurance.

Fill out our short form or call us on 03333 440 129

What is accidental damage insurance?

Accidental damage insurance is a policy to protect landlords’ rental properties and associated contents against accidental damage. It will help to cover the costs of replacement or repairs to property damaged by accident by the landlord themselves or the tenants using the property daily.

What does accidental damage insurance cover?

As the name suggests, accidental damage insurance covers your rental property and any contents you own against damage caused by accident. This would include damage to the property itself (such as windows, doors and structure) as well as any contents you have provided with the property (carpets, white goods, televisions). However, any possessions belonging to your tenants themselves would not be covered; they would have to invest in their own contents insurance to cover their personal belongings.

Do I need accidental damage insurance?

Whether it is necessary for you to invest in an accidental damage policy is something only you can decide. What would you do if a tenant accidentally broke a window in your rental property and accidental damage was not covered by your existing home insurance? Or if the refrigerator in your rental property was broken? If you would struggle to repair or replace these things in a hurry, then you could benefit from an accidental damage insurance policy for your rental property.

For help finding the cover you’re looking for, get in touch with our experienced insurance brokers today by filling in the form below or calling us directly on 03333 440 129.


Working alongside One-Direct is a real joy. They are very helpful to us at Care after Combat in providing insurance solutions and advice that meet our needs. As a charity, we find their products reliable and more importantly they deliver… they do what is says on the tin!

Jim Davidson OBE “”