Finder makes money from featured partners, but editorial opinions are our own.

Wear and tear in a rental property

You aren't usually responsible for fair wear and tear in a rental if you're a tenant, but it's a different case if you've been negligent.

What you need to know

  • For rentals, landlords are responsible for wear and tear. This is great for renters, bad for landlords.
  • That said, renters have to leave the place the way they found it, with no extra damage.
  • Tenants do need to pay for negligent damage. Like when a mate punches a wall, or a kid draws on it.

What is fair wear and tear in a rental home?

Fair wear and tear is the inevitable deterioration that occurs over time in a property from ordinary, everyday use. It does not include negligent, irresponsible or intentional actions that cause damage to the property. Fair wear and tear can include:

  • Furniture indentations in the carpet
  • Water stains from rain as a result of a leaking roof or bad plumbing
  • Faded curtains or frayed cords
  • Paint that has faded, cracked or chipped
  • A time-worn kitchen worktop
  • Worn sliding tracks and loose handles and hinges on windows and doors
  • Cracks in the walls due to building movement
  • Scuffed wooden floors

What is accidental damage and who is liable?

Accidental damage is considered any loss or damage caused by a sudden, unintended or unexpected event that was unintentional. This can include accidents like spilling wine on the carpet or breaking a vase. The tenant (or their houseguest) is generally liable for accidental damage.

What state does the property need to be in when it's vacated?

The property needs to be in a similar condition to when the tenant first moved in. Landlords should be able to compare the current condition of the property to the original condition report. As always, this should not include any fair wear and tear such as furniture indentations and chipped paint.

If the property is not as clean as it was when the tenant moved in, then the landlord might try and withhold the bond. This is so that they can cover the costs of paying for a cleaner so as to restore the property to its previous condition. A landlord has the right to charge you for a cleaner if the property is dusty, unvacuumed or there's grime in the bathroom, so it's a good idea for the tenant to clean it thoroughly before they leave.

To avoid any dispute, the best thing to do is make sure the property is as clean as possible before you vacate it. That way, the landlord will be able to release the bond as soon as possible.

How do I prove fair wear and tear?

Proving fair wear and tear can be tricky at times. The best approach is to know exactly what it covers. Broadly, fair wear and tear is the normal and inevitable deterioration of a property. Factors such as exposure to the elements, deterioration over time and just day-to-day use can cause fair wear and tear.

The fine line between fair wear and tear and damage is often hard to determine. The best way to avoid a dispute is a thorough rental condition report. This should include lots of detailed photos of every room and specific areas of the home, even video.

What should I do if I disagree with my tenant or landlord?

If you're having problems with your tenant or landlord, the first thing to do is try to resolve the issue by speaking with them directly about the issue. Read the terms of the rental agreement so that you have a clear idea of what is and is not expected of you.

If you can't resolve the matter that way, write or email them about the problem. This is important as it shows written evidence of an issue. You can then go to a residential tenancy and real estate complaint service like NSW Fair Trading. The complaints service you use will depend on the state you live in. If it cannot be resolved by a government complaint service, the next step is a civil and administrative tribunal. These will likely cost both the tenant and the landlord.

Does home insurance cover me?

Home insurance can cover the costs of accidental damage. That means if you spill red wine on the carpet, your home insurer will pay for the reasonable costs for it to be cleaned, repaired or replaced.

Both tenants and landlords can protect themselves from accidental damage. It's usually included as an optional extra with most home insurance policies. This can help pay for accidents such as:

  • Scorch marks caused by a hot pan on a kitchen benchtop
  • Smoke or soot when no damage from fire has occurred
  • Glass or crystal items
  • Glass that is in a television set or visual display unit
  • Glass that forms part of a vase, ornament or lamp
  • Accidental loss or damage caused by any animal or bird kept at the insured address (if they are included in the cover and tenant's agreement)

Keep in mind that most home insurance policies won't protect you from what is deemed malicious damage. This is deliberate damage caused to the property such as a mark on the wall because of a nail or screw.

Why you can trust Finder's home insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

Frequently asked questions

Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 725 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

More guides on Finder

  • Home insurance for first-time buyers

    An easy explanation of home insurance for first home buyers.

  • Pool insurance

    You can get swimming pool insurance included with most home and contents insurance policies. Find out who provides cover and what insurance you need.

  • Single item insurance

    Want to protect important items like your phone and laptop but reluctant to fork out on contents insurance? Single item insurance might be for you.

  • Home insurance for water damage

    Find out how home insurance can cover water damage and how to avoid some of the pitfalls. 

  • Camera insurance

    Camera insurance is a must-have if you carry a lot of expensive gear. Find out how to get cover through either contents insurance or speciality camera insurance.

  • How much does home insurance cost in Australia?

    Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.

  • Home Insurance NSW

    Home insurance protects you, your home, and your family from a range of unexpected events. Finding the right home and contents insurance in NSW is no easy task. This guide will teach you what to look for in a policy.

  • Motor burnout insurance

    Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.

  • Storm damage insurance

    Protect your home against storm, flood and rainwater damage with the help of this comprehensive guide.

  • Home Warranty Insurance

    Home warranty insurance, also known as builders warranty insurance and home indemnity insurance, is designed to offer protection for homeowners against faulty building work.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site