What does legal expenses insurance cover in rental disputes?
With legal expenses insurance, you can choose your own coverage by choosing modules. This way you can tailor the insurance to your own needs. 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 is what you should consider when (re)renting a property and what rights both the tenant and the landlord have.
Rental property legal expenses insurance
When you are going to rent out a property, it is wise to draw up a rental contract. You will record the agreements made in it and the lease will be signed by both parties. The lease can also include the recording of the property. Upon termination of the lease, the property must be in the same condition as when the lease was entered into or as stated in the survey. You do not have to repair normal wear and tear. If there is no recording certificate and it is claimed by the landlord that you have made changes to the property, the landlord must prove this. The same applies to any damage to the rental property.
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If you had permission from the landlord to make major changes then you do not have to restore them. If there was no permission from the landlord then the property must be returned to the same condition when you give notice of the lease as it was when you entered into the lease. It may also be the case that for changes that constitute an improvement, the landlord does not want you to reverse the change. You can even request compensation for improvements to the property. Discuss this with the landlord. If you cannot come to an agreement with the landlord, you can turn to the legal assistance insurance 'rental property'.
The maximum amount you can spend under your legal expenses insurance can be found in the policy conditions. If you incur more costs than the amount you are insured for, those costs are for your own account.
Legal expenses insurance coverage
Most legal expenses insurance policies have a waiting period. So don't wait too long to get legal expenses insurance. It often happens that people do not think about legal expenses insurance until it is too late.
Before taking out legal expenses insurance, it is important to compare legal expenses insurance policies and see what modules and coverages are available for rental disputes. You can easily calculate your premium at the bottom of this page and take out insurance directly if you wish.
In addition to the "consumer and living" module, the basic legal expenses insurance can also be expanded with other modules, namely:
More information about the coverages of these modules can be found on the 'legal expenses insurance coverage' page
Should you need advice, please contact us. We can be reached Monday through Friday from 08:00 to 18:00 at telephone number 088 688 37 00.
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