Bond would easly cover your access cost, everthing else would be claimable with the right policy.
Whilst I agree with that generally, I don't want to have to deal with an insurer, make a claim, or even pay an excess due to something that was done on the whim of a tenant.
If the oven needs replacing I will replace it, claim whatever deductions come with a new oven, write off the old one and not have to deal with an insurance company.
I guess what it comes down to is the thought that a tenant might "want" a different oven just because they want a new oven. If it doesn't need replacing, I won't be paying for a new one, and I certainly won't agree to the tenant doing so with any risk at the end.
We once had a high end tenant say she would like new side fences... NEXT!!!
We fix things that need fixing, probably look after our tenants better than many landlords because we deal directly with them. We had a tenant text me yesterday saying the bedroom overhead fan is making a noise and has only one speed.
I text her back saying we would not waste money trying to fix an older fan, would buy a new one and her next call will be when we say we have the fan, and our sparkie will call her to arrange a time to fit it. For me it is a win/win. We have a new fan, haven't paid a sparkie to spend time fixing an old one, which likely would end up with a second visit to fit a new one.