Deposit, Rent & Damage Protection – Total Peace of Mind
At CGT Lettings, we offer a complete protection package for both tenants and landlords, covering deposits, rent, and property condition.
In addition to our TDS-registered deposits and ARLA-backed rent protection, we offer Damage Protection Insurance through The Lettings Hub—included with selected management packages.
What Is Damage Protection Insurance?
This insurance-based cover protects landlords against unexpected property damage during a tenancy—without the need to deduct from a tenant’s deposit.
It includes:
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Accidental damage – such as spills, breakages, or cosmetic issues
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Malicious damage – including damage caused intentionally by the tenant or their guests
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Theft by the tenant – covering loss of fixtures, fittings, or furnishings
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No excess – unlike traditional insurance policies
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New-for-old policy – landlords are covered for the full replacement cost
This allows for quicker resolution at the end of a tenancy, reduced disputes, and improved landlord protection—all while giving tenants clarity on how damage is handled.
Why It Matters
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For landlords, it means less reliance on the deposit and more comprehensive protection.
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For tenants, it ensures transparency—damage is assessed fairly and doesn't automatically result in full deposit deductions.
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For everyone, it promotes smoother check-outs and better relationships.
Secure, Compliant, and Fair
As with all aspects of our service, CGT Lettings ensures:
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Your deposit is protected with the Tenancy Deposit Scheme (TDS)
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Your rent is handled securely and safeguarded through our ARLA Propertymark Client Money Protection
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Your tenancy is supported by modern protection tools, including optional Deposit Replacement Schemes and Damage Protection Insurance for added peace of mind
Questions?
Speak to your local CGT Lettings team to learn more about how our insurance-backed services help safeguard your tenancy from start to finish.