Insurance for Tenant-Caused Fire Damage

Landlord Discussion
1

Hi all,

I’m about to become a landlord for a domestic property and am reviewing various landlord insurance policies. I often see clauses like these:

What is covered:

  1. Fire, Smoke, Explosion, Lightning, and Earthquake.

  2. Riot, Civil Commotion, Strike, Labour or Political Disturbance, Malicious Persons, or Vandals. The most we will pay for damage caused by anyone lawfully in the property is £5,000.

Does this mean that if a tenant (or someone visiting the tenant) deliberately burns the house down, I would only receive up to £5,000?

If so, does anyone know of a landlord insurance policy that provides full coverage in such scenarios?

Thanks!

2

Speak to an insurance broker about it, but my understanding is accidents caused or received by a tenant is the main benfit of landlord insurance policies.

3

Wouldve thought if someone DELIBERATELY burnt it down the.insurance wouldnt cover it as thats not an accident

4

Thanks for your feedback. I have done a bit more digging and it seems that for some insurances a tenant deliberately burning down a property would fall under the fire peril as arson. That is it would be covered under the first clause and not the second clause so it would be fully covered - no £5k limit.

5

what insurance company have you use? thanks

6

Cia insurance online are specialist landlord brokers

7

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