What does legal aid insurance cover in the event of rental disputes?
With a legal expenses insurance you can choose the coverage yourself by selecting modules. In this way you can tailor the insurance to your own wishes. One of the modules is the legal assistance 'consumer and living'. This module includes rental disputes. What exactly is insured in rental disputes?
Both the tenant and landlord of a house have rights and duties. The rent should be paid on time and the house should be well maintained.
In the unlikely event that you get into a rental dispute that you cannot resolve with the other party, it is nice if you can get legal help.
Below you will find what you need to consider when renting or leasing a property and what rights both the tenant and the landlord have.
Legal expenses insurance rental property
When you are going to rent out a house, it is wise to draw up a tenancy agreement. The agreements that are made are recorded in it and the lease is signed by both parties. The rental contract can also state the state of the house. When the tenancy agreement is terminated, the house must be in the same condition as when the tenancy agreement was entered into or as stated in the recording list. Normal wear and tear does not have to be repaired. If there is no list of fixtures and fittings and the landlord claims that you have made changes to the property, it is up to the landlord to prove this. The same applies to any damage to the rental property.
If you had the landlord's permission to make major changes, you do not have to repair them. If there was no permission from the landlord, then the property must be returned to the same condition as when you entered into the tenancy agreement. It is also possible that the landlord does not want you to reverse changes that result in an improvement. You can even ask for compensation for improvements to the property. Discuss this with the landlord. If you cannot resolve the matter with the landlord, you can take out legal assistance insurance for rented property.
The maximum amount that you can spend from your legal expenses insurance can be found in the policy conditions. If you incur more costs than the amount you are insured for, these costs will be at your own expense.
Legal expenses insurance coverage
Most legal assistance insurances have a waiting period. So do not wait too long to take out legal expenses insurance. It often happens that people only think about a legal assistance insurance when it is too late.
Before you take out legal assistance insurance, it is important to compare the legal assistance insurances and see what modules and cover are available for rental disputes. You can easily calculate your premium at the bottom of this page and, if you wish, take out insurance directly.
In addition to the module 'consumer and living', the basic legal assistance insurance can also be expanded with other modules, namely:
You can find more information about the coverage of these modules on the page 'coverage legal expenses insurance'.
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