Accidents and unforeseen circumstances can happen during tenancies. This could be a leak which causes damage to your property, burglaries or other circumstances which would either cause you to lose your deposit or put you at risk of having to cover the cost of replacing your personal contents. During the tenancy, it is a tenant’s responsibility to make sure that they have the right insurance in place, and it is not the landlord’s responsibility to cover the cost, should any damage or theft occur.