From 1st May 2026, the Renters’ Rights Act 2025 in England will give private tenants the legal right to request to keep a pet, which landlords cannot unreasonably refuse.

Blanket “no pets” bans will be banned, though landlords can refuse if it is reasonable such as for small properties and allergies.

Landlord Pet Damage Insurance can provide protection towards your rental property from unexpected pet damage, ensuring your investments are safeguarded against unforeseen costs and repairs.

What Can a Landlord Pet Damage Insurance Policy Cover?

Cover limit of £5,000

A cover limit of up to £5,000 to support landlords if their property or contents were damaged by a tenant’s pet.

However, cover is limited to £1,000 for damages caused by chewing, plucking, scratching or fouling.

Pet damage to carpets covered as standard

As most building property owners’ policies do not cover carpets as standard, there is cover that provides cover towards for this risk.

Ringfencing of the Tenant’s deposit

If the tenant’s deposit is needed by the landlord to cover other costs, such as non-pet related cleaning, damage caused by the tenant themselves or unpaid rent, the policy will help financially towards any costs for repairs for example, with a reduced excess.

Tenant Deposit Adjudication Integration

The policy will abide by the Tenant Deposit Adjusticator’s findings over the cause and responsibility for the damage, as well as how the deposit should be determined and distributed post tenancy.

Damage to Landlord’s contents automatically covered as standard

Catering for properties that are let on a furnished basis, where the landlord needs extra cover for damage caused by the tenant’s pet to the landlord’s contents such as their furniture.

Get in touch today

If you would like to find out more about how your Landlord Pet Damage Insurance cover, get in touch with our team today.

We’re more than happy to go through the details of the cover, answer any questions you may have and provide a no-obligation quote.

Get in touch with our team today for a no-obligation insurance quote, call us on 01234 242900 or complete our enquiry form and we’ll be in touch whenever is best for you.