Although Landlords can try their very best to prevent a tenant from maliciously causing damage to their home by taking a deposit, carrying out references and in some cases even obtaining a guarantor, it doesn’t guarantee that a tenant won’t go berserk in your property. Therefore Landlords need to ensure they’re covered for common tenancy mishaps such as malicious damage by tenant.

Malicious damage by a tenant – This includes everything from holes punched in walls and kicked-in doors to intentional damage to carpets and floors.

Landlords are reminded to thoroughly check their policy wordings as most Policies specifically exclude malicious damage by tenants; some bring very limited cover back in as an extension to the Policy. This exclusion is more common than most people think. Research suggests that around 75% of low cost landlord insurance products do not provide malicious damage by tenant cover.

Furthermore, in a bid to remain competitive, low cost landlord insurance providers who have not yet benefitting from the promised rate increases due to the recent floods, are opting to strip out certain perils such as malicious damages by tenant which were once including as ‘standard cover’

www.cover4letproperty.co.uk are experts in low costs landlord Insurance, their policies have been specifically created for the property owner and all of their insurance policies (for occupied properties) include malicious damage by your tenant regardless of the tenants occupation.