{"id":26589,"date":"2025-08-22T10:48:54","date_gmt":"2025-08-22T09:48:54","guid":{"rendered":"https:\/\/www.benhams.com\/news\/?post_type=web-story&#038;p=26589"},"modified":"2025-08-22T10:54:01","modified_gmt":"2025-08-22T09:54:01","slug":"rented-property-burglary-who-pays-for-damage","status":"publish","type":"web-story","link":"https:\/\/www.benhams.com\/news\/web-stories\/rented-property-burglary-who-pays-for-damage\/","title":{"rendered":"Who Is responsible for damage If my rental property Is burgled?"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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amp-boilerplate=\"\">body{-webkit-animation:none;-moz-animation:none;-ms-animation:none;animation:none}<\/style>\n<p><\/noscript><\/p>\n<style amp-custom=\"\">\n              h1, h2, h3 { font-weight: normal; }<\/p>\n<p>              amp-story-page {\n                background-color: #131516;\n              }<\/p>\n<p>              amp-story-grid-layer {\n                overflow: visible;\n              }<\/p>\n<p>              @media (max-aspect-ratio: 9 \/ 16)  {\n                @media (min-aspect-ratio: 320 \/ 678) {\n                  amp-story-grid-layer.grid-layer {\n                    margin-top: calc((100% \/ 0.5625 - 100% \/ 0.6666666666666666) \/ 2);\n                  }\n                }\n              }<\/p>\n<p>              @media not all and (min-resolution:.001dpcm) {\n                @media {\n                  p.text-wrapper > span {\n                    font-size: calc(100% - 0.5px);\n                  }\n                }\n              }<\/p>\n<p>              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- (2 * 74px));\n              }<\/p>\n<p>              .captions-area {\n                padding: 0 32px 0;\n              }<\/p>\n<p>              amp-story-captions {\n                margin-bottom: 16px;\n                text-align: center;\n              }<\/p>\n<p>              amp-story-audio-sticker {\n                height: 100%;\n              }<\/p>\n<p>              .audio-sticker {\n                font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\n              }\n              <\/style>\n<p><meta name=\"web-stories-replace-head-start\"\/><title>Who Is responsible for damage If my rental property Is burgled?<\/title><link rel=\"canonical\" href=\"https:\/\/www.benhams.com\/news\/web-stories\/rented-property-burglary-who-pays-for-damage\/\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"Benham and Reeves\" publisher-logo-src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2024\/11\/BR-circular.webp\" title=\"Who Is responsible for damage If my rental property Is burgled?\" poster-portrait-src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/cropped-If-My-Rented-Property-Is-Burgled-Who-Pays-For-The-Damage.webp\"><amp-story-page id=\"76a1d0b5-fc4a-4816-8cce-c067be06fc37\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#31343c\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2cbb3752-07aa-4504-8444-9f7c04c58463\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/If-My-Rented-Property-Is-Burgled-Who-Pays-For-The-Damage.webp\" alt=\"Quick guide to understanding your rights and responsibilities\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/If-My-Rented-Property-Is-Burgled-Who-Pays-For-The-Damage.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/If-My-Rented-Property-Is-Burgled-Who-Pays-For-The-Damage-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/If-My-Rented-Property-Is-Burgled-Who-Pays-For-The-Damage-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/If-My-Rented-Property-Is-Burgled-Who-Pays-For-The-Damage-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:radial-gradient(ellipse 67% 67%, rgba(0,0,0,0) 0%, rgba(0,0,0,0.7) 100%)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:radial-gradient(ellipse 67% 67%, rgba(0,0,0,0) 0%, rgba(0,0,0,0.7) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:28.9644%;width:91.01942%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5333333333333333% 0.5333333333333333% 0.5333333333333333% 0.5333333333333333% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-975d14d1-2f32-474c-b0f1-469dd3045677\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.686933333333333% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">If My Rented Property Is Burgled, Who Pays For The Damage?<\/span><\/span><\/h1>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:40.61489%;width:90.29126%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5376344086021506% 0.5376344086021506% 0.5376344086021506% 0.5376344086021506% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-fc72ac79-fe60-4273-91af-4a04d4ab4318\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6924731182795695% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">A quick guide to understanding your rights and responsibilities<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:54.36893%;width:61.16505%;height:4.36893%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7936507936507936% 0.7936507936507936% 0.7936507936507936% 0.7936507936507936% \/ 7.4074074074074066% 7.4074074074074066% 7.4074074074074066% 7.4074074074074066%\" id=\"el-f6e7e4d4-2851-4f89-9b80-a5e754a95514\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.8888888888888882% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">By Simran Prasad<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:58.73786%;width:61.16505%;height:3.39806%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7936507936507936% 0.7936507936507936% 0.7936507936507936% 0.7936507936507936% \/ 9.523809523809524% 9.523809523809524% 9.523809523809524% 9.523809523809524%\" id=\"el-06368bbf-b514-4be6-a780-f34336ead2d2\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6666666666666665% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.242718em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Aug 22, 2025, 10:48 AM &nbsp;IST<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"e28e89fd-8a9d-4afd-9970-4851445ec5f7\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#e4d9d0\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-4247a57c-591c-48c3-8944-97a8803e73b2\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Landlord-or-tenant-\u2013-who-covers-the-damage.webp\" alt=\"Landlord or tenant \u2013 who covers the damage\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Landlord-or-tenant-%E2%80%93-who-covers-the-damage.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Landlord-or-tenant-%E2%80%93-who-covers-the-damage-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Landlord-or-tenant-%E2%80%93-who-covers-the-damage-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Landlord-or-tenant-%E2%80%93-who-covers-the-damage-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 0%, rgba(0,0,0,0.7) 100%)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 0%, rgba(0,0,0,0.7) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:4.61165%;top:50.32362%;width:88.83495%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.546448087431694% 0.546448087431694% 0.546448087431694% 0.546448087431694% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-77ea809f-4e8e-4b1b-90bc-a6f2b29742ae\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7038251366120215% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Landlord or tenant \u2013 who covers the damage<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.61165%;top:62.45955%;width:91.01942%;height:14.23948%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5333333333333333% 0.5333333333333333% 0.5333333333333333% 0.5333333333333333% \/ 2.272727272727273% 2.272727272727273% 2.272727272727273% 2.272727272727273%\" id=\"el-1d51c9d0-964d-43af-bdfa-b9c347009800\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.686933333333333% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Landlords usually cover damage to the building while tenants need contents insurance for their belongings<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2d5a4495-7ef0-44e8-ba71-6ed2b3cda383\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#201e21\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1a1abc23-f6b9-4399-a2a4-83c8977f4111\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/What-to-do-first-after-a-break-in.webp\" alt=\"Call the police get a crime reference number and notify your landlord\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/What-to-do-first-after-a-break-in.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/What-to-do-first-after-a-break-in-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/What-to-do-first-after-a-break-in-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/What-to-do-first-after-a-break-in-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.82524%;top:63.59223%;width:82.52427%;height:5.33981%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5882352941176471% 0.5882352941176471% 0.5882352941176471% 0.5882352941176471% \/ 6.0606060606060606% 6.0606060606060606% 6.0606060606060606% 6.0606060606060606%\" id=\"el-5ef732c4-49a5-4f91-a19f-c0ca3820cc9b\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.757647058823529% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">What to do first after a break-in<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:5.82524%;top:71.68285%;width:88.83495%;height:14.23948%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.546448087431694% 0.546448087431694% 0.546448087431694% 0.546448087431694% \/ 2.272727272727273% 2.272727272727273% 2.272727272727273% 2.272727272727273%\" id=\"el-c0413196-4a42-4980-86d7-aeb3d04cbc72\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7038251366120215% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Call the police get a crime reference number and notify your landlord or agent immediately<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"93f1b42f-5d53-4966-b245-bd5de4ffdb7d\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#233439\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0aebdb9a-1df4-43aa-b25a-a8936f352397\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Temporary-repairs-and-securing-the-flat.webp\" alt=\"Temporary repairs and securing the flat\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Temporary-repairs-and-securing-the-flat.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Temporary-repairs-and-securing-the-flat-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Temporary-repairs-and-securing-the-flat-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Temporary-repairs-and-securing-the-flat-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 0%, rgba(0,0,0,0.7) 100%)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 0%, rgba(0,0,0,0.7) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:4.12621%;top:52.589%;width:80.58252%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6024096385542169% 0.6024096385542169% 0.6024096385542169% 0.6024096385542169% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-3da4a9d1-c9ed-4467-8282-4a087c86a8e1\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.775903614457831% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Temporary repairs and securing the flat<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.12621%;top:65.69579%;width:91.74757%;height:14.23948%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5291005291005291% 0.5291005291005291% 0.5291005291005291% 0.5291005291005291% \/ 2.272727272727273% 2.272727272727273% 2.272727272727273% 2.272727272727273%\" id=\"el-b1c9fe2b-4a17-4dac-b382-e1791a19f712\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6814814814814811% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">The landlord or agent will arrange urgent repairs like boarding up broken windows or doors<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"80f54164-c647-41e5-b6de-8764a5301bc3\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#babeb2\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-98206e66-1a05-4427-afa5-0e19549b7495\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Who-pays-if-insurance-does-not-cover-the-damage.webp\" alt=\"Who pays if insurance does not cover the damage\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Who-pays-if-insurance-does-not-cover-the-damage.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Who-pays-if-insurance-does-not-cover-the-damage-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Who-pays-if-insurance-does-not-cover-the-damage-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Who-pays-if-insurance-does-not-cover-the-damage-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:57.44337%;width:88.1068%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5509641873278237% 0.5509641873278237% 0.5509641873278237% 0.5509641873278237% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-b844e71c-5978-4c95-a925-5368901bc521\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7096418732782366% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Who pays if insurance does not cover the damage<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.06796%;top:69.57929%;width:86.8932%;height:14.23948%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5586592178770949% 0.5586592178770949% 0.5586592178770949% 0.5586592178770949% \/ 2.272727272727273% 2.272727272727273% 2.272727272727273% 2.272727272727273%\" id=\"el-f85eb75f-823e-4044-93c1-40838541939f\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7195530726256979% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Landlords remain responsible for repairs unless they can prove tenant negligence<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"ac03c656-e787-413c-b927-0c1a72278ab5\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#e5dcd7\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-394266b7-4d81-49a3-9145-30da4e8c3499\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Check-your-tenancy-agreement-carefully.webp\" alt=\"Check your tenancy agreement carefully\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Check-your-tenancy-agreement-carefully.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Check-your-tenancy-agreement-carefully-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Check-your-tenancy-agreement-carefully-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Check-your-tenancy-agreement-carefully-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.82524%;top:61.97411%;width:81.31068%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5970149253731344% 0.5970149253731344% 0.5970149253731344% 0.5970149253731344% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-2f5fce58-1c35-443e-bbbf-9b8151cbf6ee\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7689552238805966% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Check your tenancy agreement carefully<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:5.82524%;top:74.27184%;width:91.74757%;height:14.23948%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5291005291005291% 0.5291005291005291% 0.5291005291005291% 0.5291005291005291% \/ 2.272727272727273% 2.272727272727273% 2.272727272727273% 2.272727272727273%\" id=\"el-ede2d0fd-3e96-4f02-bb59-ed272e4fc127\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6814814814814811% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">It outlines who is responsible for internal or external damage depending on the cause<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"23c8762d-c311-482f-a5af-bf2e164c97cf\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#afa98e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-29bab94b-2b96-4ef3-b2a7-c913904a0120\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Improving-security-after-a-burglary.webp\" alt=\"Improving security after a burglary\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Improving-security-after-a-burglary.webp 720w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Improving-security-after-a-burglary-576x1024.webp 576w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Improving-security-after-a-burglary-169x300.webp 169w,https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2025\/08\/Improving-security-after-a-burglary-150x267.webp 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-image:linear-gradient(0.5turn, rgba(0,0,0,0) 40%, rgba(0,0,0,0.5) 100%)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.09709%;top:49.35275%;width:83.25243%;height:9.70874%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5830903790087464% 0.5830903790087464% 0.5830903790087464% 0.5830903790087464% \/ 3.3333333333333335% 3.3333333333333335% 3.3333333333333335% 3.3333333333333335%\" id=\"el-549b2dca-28d8-477b-9343-d7e939bb09cd\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.751020408163265% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Improving security after a burglary<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:61.16505%;width:84.70874%;height:14.23948%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5730659025787965% 0.5730659025787965% 0.5730659025787965% 0.5730659025787965% \/ 2.272727272727273% 2.272727272727273% 2.272727272727273% 2.272727272727273%\" id=\"el-2ceea58e-fd71-41de-9074-11f7c5bb0f43\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.7381088825214897% 0;font-family:&quot;Source Sans 3&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">You can ask for security upgrades or fit new locks with landlord permission<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:calc(34.46602% - 1px);top:calc(77.83172% - 1px);width:calc(38.59223% + 2px);height:calc(7.28155% + 2px);opacity:1\">\n<div style=\"top:0;left:0;right:0;bottom:0;width:100%;height:100%;position:absolute;border-width:1px 1px 1px 1px;border-color:rgba(255,255,255,1);border-style:solid;border-radius:62.893081761006286% 62.893081761006286% 62.893081761006286% 62.893081761006286% \/ 222.22222222222223% 222.22222222222223% 222.22222222222223% 222.22222222222223%;pointer-events:initial;display:block;z-index:0\" id=\"el-0ee1187a-8af3-4a07-97d2-0334b146b834\"><a href=\"https:\/\/www.benhams.com\/news\/property-advice\/rented-property-is-burgled-who-pays-for-the-damage\/\" data-tooltip-icon=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2019\/01\/burglary-2022162_960_720-e1547479747476.png\" data-tooltip-text=\"If my rented property is burgled, who pays for the damage?\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-1.0043238993710684% 0;font-family:&quot;Roboto&quot;,sans-serif;font-size:0.226537em;line-height:1.4;text-align:center;padding:8.80503144654088% 14.465408805031446%;color:#000000\"><span><span style=\"color: #fff\">Read full article<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"04c777db-b01a-4489-98bb-8497bf5a7dcd\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#041e41\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1126dc15-3f4d-496c-a0b1-36aba68ea313\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:9.87055%;width:71.60194%;height:45.79288%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-edb02d28-eaa8-4d72-bdaf-1b861e4b2fd4\">\n<div style=\"position:absolute;width:100%;height:104.24028%;left:0%;top:-2.12014%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2024\/11\/br-logo-1.webp\" alt=\"BR Logo\" srcSet=\"https:\/\/www.benhams.com\/news\/wp-content\/uploads\/2024\/11\/br-logo-1.webp 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