Some cheaper landlord policies include landlord liability cover, which may respond to claims if a tenant or visitor is injured or their property is damaged because of an issue with the property. However, “tenant liability cover” can mean different things and may instead refer to damage caused by tenants, which is often optional, limited or excluded. Check the policy wording for liability limits, excesses, accidental and malicious damage exclusions, legal expenses and any tenant-related conditions. Compare the overall protection, not just the premium, and consider using an FCA-authorised insurance provider.