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Accidental Damage

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I did ask the question elsewhere, but it got lost I think in the discussion about the swimming pool.

Have never worried too much about accidental damage before, believing it to be just one of those things that I might have to take on the chin as a tenant.

However, latest contract states repeatedly that we are responsible for accidental damage; and a conversation with the LA has informed me that the LL's insurance does not cover accidental damage caused by tenants.

Am therefore becoming concerned about scenarios where we might for instance accidentally leave the gas on, resulting in an explosion that severely damages the house. Would sleep far easier at night knowing that we are not financially liable in such a scenario, so am wondering if there might be any insurance policies out there that cover accidental damage only.

Does anyone have any thoughts on this?

Thanks in advance.

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I did ask the question elsewhere, but it got lost I think in the discussion about the swimming pool.

Have never worried too much about accidental damage before, believing it to be just one of those things that I might have to take on the chin as a tenant.

However, latest contract states repeatedly that we are responsible for accidental damage; and a conversation with the LA has informed me that the LL's insurance does not cover accidental damage caused by tenants.

Am therefore becoming concerned about scenarios where we might for instance accidentally leave the gas on, resulting in an explosion that severely damages the house. Would sleep far easier at night knowing that we are not financially liable in such a scenario, so am wondering if there might be any insurance policies out there that cover accidental damage only.

Does anyone have any thoughts on this?

Thanks in advance.

If you leave the gas on at night and blow up the house, paying the landlord back is surely the least of your problems.

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If you leave the gas on at night and blow up the house, paying the landlord back is surely the least of your problems.

Agreed, but that is a nightmare scenario for an example. There are plenty of other examples that I could have chosen, that might not involve life or limb, but could end up with a vast expense. Any thoughts?

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Agreed, but that is a nightmare scenario for an example. There are plenty of other examples that I could have chosen, that might not involve life or limb, but could end up with a vast expense. Any thoughts?

I guess you could try house insurance.

I beleive damage may just be covered under its terms.

damage to the property itself will be covered by the LLs insurance.

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damage to the property itself will be covered by the LLs insurance.

I am pretty sure myself that this is the case. I can't imagine for a second that the LL would want to let us have use of their house, in the knowledge that we could cause damage beyond our means (they paid just under £1million for the house last summer), that was not covered by insurance.

I think that I will get hold of a copy of their insurance, to see if there are any gaps.

Thanks for the reply.

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You are not responsible for the structure or fabric of the building.

the landlord either insures it or risks it.

You are of course liable if you deliberately or negligently damage it, but you cant get insurance for that.

If its an accident, he is covered.

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I added accidental damage, as requested by our letting agent, to our contents policy which we got through the AA, but every insurer I contacted told me you can't insure someone else's possessions. The letting agent tried to push us towards a specialist insurer they had a deal with, which offered cover for the landlord's stuff, but it was a lot more expensive. We rent unfurnished, so I took the view that it wasn't worth it and that I would argue my corner with the agents if they kicked up a fuss. They didn't.

Edited by thegirlfrommarz

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I added accidental damage through the AA, as requested by our letting agent, but every insurer I contacted told me you can't insure someone else's possessions. The letting agent tried to push us towards a specialist insurer they had a deal with, which offered cover for the landlord's stuff, but it was a lot more expensive. We rent unfurnished, so I took the view that it wasn't worth it and that I would argue my corner with the agents if they kicked up a fuss. They didn't.

try Tescos insurance......the landlords possessions are covered, and the owrding was identical to the "specialist" insurance we rejected at MUCH More cost and Way less cover.

the buildings and fabric are the landlords risk though, whatever the EA says.

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Many thanks for the repsonses.

You are not responsible for the structure or fabric of the building.

the landlord either insures it or risks it.

You are of course liable if you deliberately or negligently damage it, but you cant get insurance for that.

If its an accident, he is covered.

So, in the event for instance that I knock over a candle that sets fire to the curtains, and then damages the building; my liability stops at the curtains? I think that I can live with this risk. I can replace curtains etc, but would baulk at rebuilding a house!

The letting agent tried to push us towards a specialist insurer they had a deal with, which offered cover for the landlord's stuff, but it was a lot more expensive.

LA has treid every other trick in the book for add-on fees etc, so am surprised that this one hasn't been mentioned. Perhaps they are keeping this one up their sleeves as a last minute surprise! Have asked for a copy of the LL's insurance policy, so will be able to identify any gaps.

Thanks again for all of the help and advice.

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Many thanks for the repsonses.

So, in the event for instance that I knock over a candle that sets fire to the curtains, and then damages the building; my liability stops at the curtains? I think that I can live with this risk. I can replace curtains etc, but would baulk at rebuilding a house!

LA has treid every other trick in the book for add-on fees etc, so am surprised that this one hasn't been mentioned. Perhaps they are keeping this one up their sleeves as a last minute surprise! Have asked for a copy of the LL's insurance policy, so will be able to identify any gaps.

Thanks again for all of the help and advice.

the landlords responsibilities will also be listed in the AST.

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the landlords responsibilities will also be listed in the AST.

Thanks Bloo Loo, nothing in there specifically relating to this so far as I can see.

Closest I can get are:

to pay and indemnify the Tenant against all charges relating to the property except those which the Tenant has expressly agreed to pay

and

...to keep in repair the structure and exterior of the property ...except any damage or fault caused by the neglect or mis-use by the Tenant.

Thanks

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To add my two pennyworth: my wife knocked a bottle of perfume off the bathroom shelf. It hit the sink, cracking it and bounced onto and chipped a large chunk out of the toilet seat. The sink was covered under landlords fixtures and fittings but the toilet seat was covered under furnishings. Fortunately we had accidental damage cover.

I guess if you search you will find decided cases determining what items are the landlords responsibility and what you as a tenant are liable for. A basic list I have found shows:

These are Landlord's Fixtures and Fittings:

  • floor coverings
  • light fittings
  • window coverings and
  • other fixtures and fittings shown on your Certificate of Insurance.

Your fixtures and fittings in a unit

If you insure Landlord's fixtures and fittings in a unit, it includes:

light fittings, wall paint, wall paper, wall coverings, floor coverings, e.g. floating floors, lino etc, a heater or airconditioning unit that you own.

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