What is Pet Damage Insurance?

Pet Damage Protection Alps Pet Damage Protection complements your core insurance by adding protection for fixtures, fittings and content belonging to the landlord, from pet damage.

This covers up to £5,000 of damage, the cost of which you can pass onto your tenant.

Following a claim, any permanent work carried out by a supplier under this policy is guaranteed for 1 year following completion.

How does Pet Damage Insurance work?

What is insured?

Sudden, unintentional and unexpected physical loss, breakage or damage by your tenant’s domestic pet to: -

• The fixtures and fittings of your insured let property;
• Your contents in your insured let property;

Up to a maximum limit of £5000 per period of insurance other than damage caused by chewing, scratching, fouling or plucking which shall be limited to £1000 per period of insurance. 

Policy Conditions and Questions

What is not insured?

General:

• Existing damage;
• Wear and tear or depreciation.
• Loss or damage during a tenancy termination notice period if this insurance was purchased after the termination notice was issued.

For a comprehensive list of all of the Policy Exclusions of this Insurance, please see the Policy Wording.

Are there any restrictions on cover?

The cover is limited as follows:

• You and your tenant must have agreed a check in / check out inventory of the condition of your insured let property, and your contents within it, at the start and end of the tenancy agreement.
• You must use the tenant’s deposit, or deposit guarantee agreement before making a claim under this insurance, unless you can evidence that the deposit or deposit guarantee agreement has been used to cover rent arrears, other non-pet related damage or cleaning costs.
• If the tenant disputes that they / their pet were responsible for the damage, you must provide evidence that a deposit adjudication decision has found in your favour that the tenant / their pet did cause the damage.
• If you purchase this insurance during a period of notice to terminate the tenancy agreement, issued by either you or the tenant, there will be no cover for any damage caused during that notice period.
• The maximum amount we will pay towards the replacement of any undamaged item or item(s) forming part of a pair, set or suite is 50%. 

What are my obligations?

• This insurance is provided subject to you meeting the following acceptance criteria:-
• You must have a Tenancy Agreement in place with the Tenants
• You must have made no previous pet damage insurance claims during the period your current Tenants has been in your property
• You, or your agent, must complete at least quarterly property inspections, or as provided for under the Tenancy Agreement and keep a record of these inspections for least 24 months after the end of the Tenancy
• You must have no unsatisfied bankruptcy’s or outstanding county court judgements.

In addition to the above acceptance criteria: -

At the beginning of the period of insurance or when making changes to your policy, you must give complete and accurate answers to any questions you are asked relating to the insurance;-

• You must tell us if you become aware of any inaccuracies or changes in the information you have provided to us, whether happening before or during the period of insurance
• To inform us of any change in circumstance
• To do all that is reasonably possible to protect the property insured, prevent damage and prevent accident
• Report all claims to us within 31 days of occurrence
• Give immediate notification to the police if a claim involves property that is maliciously damaged
• Provide all information and assistance that we may require in the event of a claim, including access to the site.

Failure to meet your obligations could result in a claim being rejected, a reduction in the amount we pay or the cancellation of your policy.

Common Questions

Q-If a tenant has a ‘Quiet Enjoyment Clause’ meaning that quarterly inspections cannot be carried out does this mean the policy cannot be sold?

Yes, it is a condition of the policy that the insured must carry out internal and external inspections of the building at least every 3 months and maintain a record of those inspections for at least 24 months after the end of tenancy.

Q-Can the policy be taken out by the tenant?

No, this policyholder must be the Landlord.

Q-Can I get coverage if I’ve already claimed pet damage under my current tenants?

You must have made no previous pet damage insurance claims during the period your current Tenants has been in your property.

Why buy Pet Damage Insurance?

Tenant default and legal disputes are among the biggest risks landlords face. Without protection, you could lose months of rental income and face thousands in legal costs. Buying Legal and Rent Guarantee Insurance ensures your income stream is safeguarded and that you have expert legal support when you need it most. It’s not just about protecting your property — it’s about protecting your financial stability and peace of mind.

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