Many landlords worry about what will happen when their property is damaged and it is their tenant's responsibility. In an ideal world, your tenant would just go and sort it out themselves with no fuss and simply inform you of what has happened. We all know that ideal world scenarios are pretty rare but here's something that may comfort you.
Some home contents insurance policies now include tenant's liability insurance. It is an extension of the policy which covers damage to the rented property that the tenant is liable for. The most obvious example is damage to windows.
Most lease agreements make windows the tenant's responsibility so if one gets smashed, the tenant has to sort it out. At the same time the landlord is worrying about the security of their property whilst not wanting to pay for damage which should be paid by the tenant. If the tenant has no cover and doesn't earn much money, this could be a difficult situation for both landlord and tenant.
I'm not sure if it's possible as our expertise is for the insurance side of things, but would it not be a good idea to insist that tenant's have a home contents insurance in place that has this cover within it? This would give piece of mind to the landlord and more importantly, your tenant would be financially covered for loss or damage to their contents and their liability toward you and your property.
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