Am I covered by my landlord's insurance for some damage?

Question

Accepted Answer

Your belongings aren’t covered by the landlord’s insurance.
If the landlord is insured, their insurance is likely to cover accidental damage or damage caused by carelessness to the building. It may also cover damage to chattels owned by the landlord like an oven, fridge, heater etc. If you carelessly damage the landlord’s property, you may have to pay for its repair. The maximum they can make you pay is either your landlord's excess or four weeks’ rent, whichever is lower.

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