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Quite right! Oh, man, do I feel embarrassed now, that really showed me. *rolleyes* LMAO Given that several insurers, including landlord insurance specialist Terri Scheer, don't put up premiums after claims, this seems a bit OTT. On a positive note, thanks is due to kathryn_d for...

How on Earth did you get that from this discussion? :confused: I use a bunch of special conditions myself.

Then why do you keep insisting that a contents policy - which is what the tenant insurance is - will cover building damage? :confused:

I absolutely read it, naturally! I think perhaps you're not distinguishing between contents insurance and building insurance. ;) The Youi policy refers to those items which would normally be covered by the landlord's contents insurance, eg curtains, carpets, non-fitted whitegoods, etc, not...

The link you provided refers to the landlord's fixtures and fittings, which would normally be covered by the landlord's contents insurance. I was specifically talking about the landlord's building insurance policy. Gloating and starting to do a victory dance, and then finding out that you...

After further research, I don't believe a tenant could claim for damage to the landlord's property under their renters' insurance, because there is an insurance principle that you can't make a claim against a "general" insurance policy, for anything which should have been covered by a more...

Well... they'd still have to claim on their building insurance, but if the building insurer were successful in pursuing the tenant's public liability, then the claim wouldn't be registered "against" the landlord's policy. I think this is a non-issue because I don't believe that previous claims...

I understand exactly what AlmostBob and kathryn_d are saying. Their point is that most contents insurance policies - which tenants should have - include a component for public liability, which includes their liability for property damage. This is generally accepted to cover liability against...

I don't understand what you mean. Why would approaching things in a business-like manner suggest that it's not a business? :confused: It wouldn't help. Under common law, the tenant is entitled to expect that the landlord has the building insured and that their losses would be limited to the...

No, he can't. You're talking about a claim against the building, and the tenant has no insurable interest in the building, and thus can't buy insurance. I can't find a reference to it, unfortunately, but it is an established principle under common law that if you have insurance to cover a loss...

Whilst car insurance policies go up, because you're deemed to be a "less safe" driver once you've had a claim, my understanding is that home, contents, and landlord policies don't generally work the same way. eg If you've had a claim as a result of a storm, that doesn't mean that *you* are a...