If you live in an apartment for rent, also rent the fittings. Equipped kitchen, sanitary facilities, windows and doors: all this is the property of your owner. It allows you to temporarily use the apartment and the corresponding rental properties during your rental. In general, with a lot of risk insurance, you know what is insured and what is not. However, there are some uninsured events for insurance coverage (for example.B. internal structural damage, long-term processes such as mold or corrosion, defective construction or repair work). At this point, you repeatedly benefit from private liability insurance that also covers damage to rental property. If you cause damage, your private liability insurance will cover the compensation. It covers claims for you. If you don`t have liability insurance, you are responsible with all your assets. This can also be costly in case of property damage, z.B.
if your apartment for rent burns completely due to a forgotten candle or a faulty lithium-ion battery. Your household insurance covers damage to your personal belongings. Only personal property is covered. Progressive damage is not considered damage to the rental property. Wear damage is not covered by your liability insurance. If you live in an apartment, it leaves traces of wear on the walls and floors. This can be fading on wallpaper – where furniture has settled, wall surfaces are generally brighter. Abrasion on walls or on the floor occurs even when the dwelling is normal. You don`t have to pay for it. After all, we pay the rent. This covers the cost of wear and tear.
Coya allows you to purchase individual liability insurance starting at €47.99 per year. If you live with other people in the same household, private liability insurance at family rates is the right choice. These start at 64.99 euros per year at Coya. Insurance services are provided by Derswedbank P-C Insurance AS Lithuanian Branch through its Swedbank, AB representation. In principle, landowners and landowners are responsible for clearing snow in winter and knocking out sidewalks. The land itself and adjacent public sidewalks must be free of snow and ice, in accordance with road safety rules. The aim is to reduce the risk of passers-by falling and injuring themselves. Inform the tenant of the apartment below you (if any) that damage has occurred in your apartment so that they can inform the relevant insurance company. You should also inform your owner of the damage. It is important that damage to rental property is covered by your private liability insurance. Get company doctor`s insurance – you feel safe and comfortable: All of these things can be damaged by accident or neglect. If you are not insured by liability insurance, you must pay for the repair or replacement of your pocket.
It can also be costly in case of property damage. Please note that your insurance coverage ends as soon as you move your main residence outside Germany. If you also use a garage, shed or outdoor space, make sure your private liability insurance also applies to it in the event of a disaster. In the case of liability insurance that insures an individual against the financial consequences of property and personal damage and financial losses, the market price varies between 30 and 120 euros per year. The risks covered by non-life insurance generally include some weather-related symptoms, including fire damage, smoke, wind, hail, snow and ice effects, lightning and more. Real estate insurance also protects against vandalism and theft and covers structure and content. Non-life insurance also offers liability insurance in the event of a violation of someone other than the landlord or tenant, while on the ground and decides to take legal action.