What about the liability insurance in a rented house?
Liability insurance insures you for damage you or one of your family members cause to another person. When you have a rental property, that "other person" is the landlord of the property. So this is damage to the rental property. Now you may be asking yourself: is it wise to take out liability insurance if I have a rental property?
Can liability insurance be included in the rent of my rental property?
You can. A landlord can purchase insurance for the property and include it in the rent. There are no set rules for this. Therefore, it is important that you always check in the rental contract which costs are included in the rent and which are not. Otherwise, you will soon have double liability insurance in your rental property.
Take out liability insurance? Calculate the premium directly!
Rental property: Is liability insurance mandatory?
No, liability insurance is never mandatory for individuals, including when you live in rental property. However, it is often recommended. This is because liability insurance can save you a lot of money if you find yourself in a nasty situation where you are held liable.
When you rent a home, you are actually living in a property that is not your own. If you own a condo and cause damage, it is to your property. If you cause damage in a rental property, it is to someone else's property. With liability insurance, you make sure that damage that you or one of your family members accidentally causes is compensated by the insurer. In addition, it may happen that the landlord holds you liable for damage to the property, for example, for leakage in the house which then also causes damage to the neighbors.
What other insurances do I need to take out with rented accommodation?
Still in the process of getting insurance? Then check out contents insurance or legal assistance insurance right away. Home contents insurance ensures that all the belongings in your home are insured. Contents insurance is actually the most important form of home insurance, whether you own or rent a house. You can also look into legal expenses insurance. Legal expenses insurance comes in handy the moment a dispute arises between you and the landlord. With legal expenses insurance, you always have legal assistance. So liability insurance is not the only insurance you can look at with a rental property.
Take out liability insurance immediately!
At Alpina.nl you can easily compare liability insurance policies. After entering a few details, such as your zip code and family composition, you can compare different insurers at a glance. If you find the right liability insurance, you can take it out right away! This way you will always have the best liability insurance and be well insured even in your rental property.
Do you still have questions about the options or are you still not quite able to finish? Then you can always contact us. You can reach us Monday through Friday between 08:00 and 18:00 on telephone number 088 - 688 37 00. You can also send us a message via WhatsApp, e-mail or Messenger.
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