Tenant liability insurance, that is, third-party liability insurance in private life extended to cover damage to the rented property (clause no. 4 in the T&Cs). This insurance covers accidental, sudden, and unintentional damage caused to third parties (e.g., the landlord) by the tenant, their relatives, or a pet in the rented apartment or house.

What do you protect?

• Damage caused unintentionally to a third party (including by relatives).
• Damage to movable property (e.g., furniture, consumer electronics/home appliances).
• Damage to fixed elements (e.g., windows, floors, walls, and ceiling).
• Coverage of legal defense costs against claims from the injured party.

Example of covered damage

• While taking it out of the cupboard, a glass fell onto the induction and shattered it.
• Your dog tore a sofa belonging to the landlord.
• You slipped in the shower and damaged the cabin door during the fall.
• Due to an accidentally left running tap, you flooded the rented apartment and the neighbor's apartment downstairs.
• Your child broke a car window in the parking lot with a ball.
• You hit a pedestrian while riding a bicycle.
• Your dog chewed a guest's expensive handbag.

Conditions of protection: The damage must be accidental, sudden, and the fault of the insured (the tenant). The insurance does not cover intentional or long-term damage, damage caused under the influence of substances, or damage resulting from normal wear and tear (depreciation, regular use). The protection applies exclusively to damage caused to third parties (e.g., the landlord).

With home contents insurance, the insured (in this case, the tenant) protects their own property brought into the rented premises, e.g., consumer electronics/home appliances, furniture, and jewelry – under an "all risks" variant, which covers all fortuitous events not excluded in the T&Cs, such as fires, floods, hurricanes, thefts, and many more.

What does the insurance cover?

• Electronic equipment, consumer electronics/home appliances, furniture, and decorative elements.
• Clothes, jewelry, and personal belongings.
• Cash, coins, and valuables made of silver, gold, or platinum.
• Items in a basement or a storage unit up to 30% of the sum insured (excluding basements in detached houses).
• Items belonging to a studying child in their temporary place of residence.

Examples of covered damage

• During a storm or a power surge, your sound system or computer is damaged.
• The apartment is burglarized, and, for example, your sports equipment is stolen.
• A flood destroys all your clothes in the wardrobe.
• A thief snatches your bag or phone on the street.

The insurance provides, among other things, the option to call a professional or access quick intervention in situations where help is needed. For example, replacing and arranging the replacement of door locks when the tenant has lost their keys and cannot enter the apartment (we recommend contacting the landlord first). This can also include a plumber's visit, as well as calling a technician to repair a washing machine or thoroughly check a gas cooker (e.g., in case of a suspected leak).

The tenant's insurance in the Extra variant includes the extended Standard Plus assistance package. In addition to professional assistance, it also provides extra support following the damage, such as accommodation in temporary housing, protection of salvaged property, pest control and extermination, repair of consumer electronics and home appliances up to 5 years old, and remote IT assistance in the event of a software failure.

In the event of legal problems, a lawyer will guide the tenant on the appropriate course of action, provide advice, or send a template of a letter or the text of a necessary legal act. PZU will cover, among other things, court costs in civil and criminal cases, the costs of a legal opinion, and the fees of an advocate or legal counsel.

The insurance can be used, among others, in connection with:

• Contractual protection, e.g., when you receive a TV subscription bill that is too high.
• Personal data protection, e.g., when your personal data is stolen and a thief uses it to defraud money.
• Labor and social security law protection, e.g., when you are dismissed during a protected employment period.
• Needing legal assistance in connection with an unfair landlord.

Depending on the chosen package, tenant's insurance includes different types of coverage. Each package contains tenant liability insurance, which covers, among other things, damage accidentally caused to third parties by the tenant, members of their household, or their pet in the rented apartment.

Buy tenant liability insurance online – quickly and from the comfort of your home.