{"id":1620,"date":"2022-04-26T08:14:55","date_gmt":"2022-04-26T08:14:55","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/what-does-accidental-damage-insurance-cover\/"},"modified":"2025-05-22T13:16:56","modified_gmt":"2025-05-22T13:16:56","slug":"what-does-accidental-damage-insurance-cover","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/what-does-accidental-damage-insurance-cover\/","title":{"rendered":"What does accidental damage insurance cover?"},"content":{"rendered":"\n
\n

What does accidental damage insurance cover?<\/h1>\n\n\n\n
\n
Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

Accidental damage insurance<\/a> can cover the cost of repairing or replacing your property or contents if they\u2019re damaged by a one-off incident. It could cover the cost of replacing your carpet if a tenant spilt wine over it, or the cost of repairing a wall if you damaged it while putting up shelves.<\/p>\n\n\n\n

Accidental damage may be covered under your landlord buildings insurance<\/a> and your landlord contents insurance<\/a>, or you may need to add accidental damage insurance to your policy as an additional cover.<\/p>\n\n\n\n

It can cover the repair costs if your building is accidentally damaged, and the cost of repair or replacement if your contents are damaged. Contents includes the items that you provide to your tenants, for example any furniture or appliances that you\u2019ve put in the rental property.<\/p>\n\n\n\n

Accidental damage insurance won\u2019t cover gradual wear and tear over time, and it also doesn\u2019t cover items belonging to your tenants.<\/p>\n\n\n\n

When you\u2019re buying landlord insurance<\/a>, make sure you accurately estimate the rebuild value of your property and the replacement value of your contents, so that you\u2019re fully covered if you come to make a claim.<\/p>\n\n\n\n

\n

Ready to set up your landlord cover?<\/h4>\n\n\n\n

Over 100,000 UK landlord policies, a 9\/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy?<\/p>\n\n\n\n

\n
Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n

A free monthly newsletter with the latest news and tools for small businesses and landlords.<\/p>\n\n\n\n

\n
Subscribe to our newsletter<\/a><\/div>\n<\/div>\n\n\n\n