Over the years, insurers have build enough knowledge through many years of handling claims to understand the risk involved to landlords when properties are let. This explains why some companies choose to differentiate property damage to buildings in their policy booklets.

According to the provider property damage cover maybe specified as a separate section of the policy or included under the buildings section. The risk of damage caused by tenants is potentially high, therefore this element of cover is designed to cover the related costs associated with this type of event occurring.

Some landlord insurance policies will cover you for professional fees for reinstating or repairing the property to comply with applicable legislation. These could include surveyor fees for example. Look out for policies that cover you in the event that emergency services that require access to the property and cause damage to landscape gardens in the process or loss of keys following a theft or loss of metered utilities such as gas, electricity, water and oil.