Tenants trashed the property?
Does Landlord Insurance Cover Tenant Damage? (UK)
Malicious tenant damage is an add-on, accidental damage is rare. See what UK landlord policies actually pay for.
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The short answer
Standard UK landlord policies cover buildings perils (fire, water, storm) but exclude tenant damage. Malicious damage by tenants is a paid add-on (£40–£100/year) and excludes wear and tear. Always use the deposit and TDS process first.
Frequently asked
- Can I claim and keep the deposit?
- No — insurer will deduct any deposit retained from the payout.
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