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Tenant liability insurance also covers damage caused unintentionally by household members to third parties. According to the insurance definition, a household member is a person who resides in the same household. However, it is recommended that each tenant has their policy.

The incurred damage is assigned to an insured person on the policy. So in future, the premium may be increased if the damage is significant. Tenant liability insurance also covers accidental damage caused to a third party by pets, but only those owned by the insured person, not other household members.

For example:

• The wife’s policy covers a situation where the husband damaged the hob. The damage report identifies the husband as being responsible.
• A group of tenants with individual policies - in the event of damage, the settlement is made from the policy of the responsible person. Each tenant is responsible for their damage, and the settlement process is individual, according to each policy.