Under a typical landlord’s insurance policy the insurer will cover a landlord's:

- if they suffer loss or damage because of one of the listed events. This cover is available if:

Under this section of the policy, the insurer may:

The insurer will not pay for any loss or damage that is intentionally caused by your tenant. It may choose to apply depreciation based on the age and condition of each item before it settles any claim. Typically, under this section of the policy the most the insurer will pay is 5% of the sum insured.