Landlords: protect yourself against tenant claims If your tenant slips on a poorly tiled floor and injures themselves, you, the landlord, need to make sure you are covered in case they decide to make a claim against you. Standard household insurance won't suffice. The moment you let out your property, that home insurance policy may become invalid. Insurance companies view the risk of rental properties differently, as a landlord's control over their property diminishes once they are no longer there to care for it on a daily basis. It will cover your legal costs in defending a claim and, if you're at fault, for the claimant's legal costs and damages awarded to them. Direct Line Landlord Insurance also provides landlords with public liability cover in the case of third party claims made from neighbouring properties.