If My Rented Property Is Burgled, Who Pays For The Damage?

A quick guide to understanding your rights and responsibilities

By Simran Prasad

Aug 22, 2025, 10:48 AM  IST

Landlord or tenant – who covers the damage

Landlords usually cover damage to the building while tenants need contents insurance for their belongings

What to do first after a break-in

Call the police get a crime reference number and notify your landlord or agent immediately

Temporary repairs and securing the flat

The landlord or agent will arrange urgent repairs like boarding up broken windows or doors

Who pays if insurance does not cover the damage

Landlords remain responsible for repairs unless they can prove tenant negligence

Check your tenancy agreement carefully

It outlines who is responsible for internal or external damage depending on the cause

Improving security after a burglary

You can ask for security upgrades or fit new locks with landlord permission