When renting there’s always the possibility of accidentally causing damage to the landlord’s buildings and then being liable for the costs. If as a tenant you have a home contents insurance in force covering your possessions, then you may have tenants liability cover for damage to the building. This policy extension usually comes with a limit, often 20% of your contents sum insured including additional costs and expenses, such as architects and surveyors fees, clearing debris, shoring or propping up and the cost of complying with any government or local authority requirements. Sounds heavy stuff, most of which may not be required, but the basic provision of cover gives the tenant assurance and peace of mind.
Please check in your policy wording to see whether cover is in force or if you are looking for a tenants contents insurance quote including this extension we would be pleased to help.