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Tenant liability insurance covers civil liability in private life. This means it must relate to damage to third parties, such as the property owner or neighbour , and must be accidental and sudden. It does not cover intentional damage or long-term damage, caused when under the influence, or damage resulting from wear and tear.

Examples of damage covered by tenant liability insurance:

• While taking out a drinking glass from the cupboard, it falls and damages the hob.
• Your dog tears the sofa, which belongs to the property owner.
• Due to a damaged hose in the washing machine, the neighbour below is flooded.
• Your child breaks a car window with a ball in the neighbourhood parking lot.
• A plant pot falls from your balcony and damages someone else's car.
• While riding a bicycle, you accidentally hit and injure a pedestrian.

Examples of common damage not covered by the insurance include:

• During a storm, lightning strikes the building, and the property owner’s electrical equipment is damaged (i.e. not your fault).
• The walls have marks after a year of renting (wear and tear).
• The floor is gradually scratched by a pet (long-term damage/normal wear and tear).
• Stains form in the bathroom due to negligence and lack of cleaning (long-term damage).
• Furniture is damaged due to a fight breaking out in the home after alcohol consumption d (substance abuse).

When assessing damage, consider the following questions:

• Was the damage caused by me (or a household member or our pet)?
• Has it caused damage to another person?
• Was the damage unintentional?