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Our comprehensive range of options means that you won’t have to break the bank in case of any mishaps.

Tenancy Liability Insurance is a service which covers the landlord’s property, furniture and fixtures and fittings from accidental damage which the tenants are responsible for, up to sum of £10,000.

It can increase the chance of receiving your full deposit back at the end of your tenancy agreement, which can go towards a deposit on a mortgage or your next rental.

In addition to this, Tenants Contents Insurance includes all the features of the Tenancy Liability policy, but also protects up to £50,000 of your own contents against fire, flood and theft.

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Frequently asked questions

If you would like to find out more about our flexible insurance for tenants, please call us on 01706 823 131

The excess rates are as follows:

  • £100 standard
  • £250 escape of water
  • £500 malicious damage

For example, this means that if your washing machine floods your kitchen, you will be liable to pay the first £250 of any cost incurred. The remainder of the sum would be covered by the £10,000 Tenancy Liability Insurance.

Not necessarily. A landlord is typically only responsible for the general upkeep of a property, and their buildings insurance won’t cover damage caused by tenants or to their personal property.

It is. Should you move home or go onto a different tenancy agreement, your policy will still be valid. However, it is essential that you should let us know of any changes.

Yes. You would not be able to make a successful claim for damage caused by pets, general wear and tear, or the cost of cleaning.

All items damaged beyond repair in an accident will be replaced on a ‘new for old’ basis. Ultimately, insurance is there to restore you to the same financial position that you were in before taking out a claim, and this will cover you for the cost of a like-for-like replacement (minus the excess).

Google Rating
4.4

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Brilliant experience from the start over 10 years ago when I started renting to the present when with all their help I completed the house sale Everyone I spoke to was helpful and professional with Niall being a absolute star and kept me up to date with all communications

Ian Guffogg August 1, 2024

A huge shout out and thank you to Melanie and Niall at Lifestyle Sales and Lettings who have just helped us to sell our office building in Bury. They were so hands on, helpful, proactive and kept us fully informed of interest levels and viewings. I can’t thank them enough for everything they’ve done. We had previously put the sale in the hands of a larger estate agent! The service was nowhere near the same level and nothing materialised. If you want an estate who cares, and is actually working for you proactively – then you need to get in touch with the team at Lifestyle. Gill & Eric Arnott

Gill Arnott June 24, 2024
joanne herbert March 7, 2024

A big Thankyou to Melanie, and Henry! Even though my move took much longer than expected(through no fault of Lifestyle altogether) Thanks to Henry. Everything went as smooth as it possibly could, I was always reassured about any issues I had and he went above and beyond to make sure I was taken care of. Would definitely recommend

Dylan Proctor March 4, 2023

Me and my partner have recently moved out and Lifestyle lettings were absolutely amazing and efficient! We were helped along the way by Henry at every step who was amazing and I can’t recommend highly enough . The customer service here is second to none and i would urge anyone to try and get sorted moving with Lifestyle lettings. Thank you so much, Andy x

Andrew Rafferty March 1, 2023

Great team and brilliant customer service! Everyone was helpful and any issues with the property were quickly sorted out. Recommended!!

Max Dickinson February 24, 2023

Highly recommend this company. Melanie and her team are brilliant - genuinely nice people. Henry has dealt with letting out our property and from the very first phone call, he has been very professional and knowledgeable. He has made the whole letting experience fairly stress free - excellent communication skills - phone/face to face/emails.

Shirley A February 21, 2023

Big thanks to Henry going above and beyond for me, great responsive service

Ross Hand February 6, 2023
adolf chingono November 14, 2022

Lifestyle Sales and Lettings don't stop to surprise me, from the initial engagement to the continuous communication for maintenance and liaising with the landlord. They quickly answer all our queries and conduct themselves to the highest professional standards I have had the pleasure to deal with any Letting agency. Each of their outstanding staff that I have had the opportunity to speak with are exceedingly kind and helpful, from the receptionist to the Letting coordinators, from the sales agent to the maintenance team. Please keep being as good as you are.

Martin Armando Tejada Rodriguez November 2, 2022

Holding ourselves to the highest standard