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What are some examples of damage covered by tenant liability insurance?

What are some examples of damage covered by tenant liability insurance?

Tenant liability insurance covers civil liability in private life. This means it must relate to damage to third parties, such as the property owner or neighbour , and must be accidental and sudden. It does not cover intentional damage or long-term damage, caused when under the influence, or damage resulting from wear and tear.

Examples of damage covered by tenant liability insurance:

  • While taking out a drinking glass from the cupboard, it falls and damages the hob.
  • Your dog tears the sofa, which belongs to the property owner.
  • Due to a damaged hose in the washing machine, the neighbour below is flooded.
  • Your child breaks a car window with a ball in the neighbourhood parking lot.
  • A plant pot falls from your balcony and damages someone else's car.
  • While riding a bicycle, you accidentally hit and injure a pedestrian.

Examples of common damage not covered by the insurance include:

  • During a storm, lightning strikes the building, and the property owner’s electrical equipment is damaged (i.e. not your fault).
  • The walls have marks after a year of renting (wear and tear).
  • The floor is gradually scratched by a pet (long-term damage/normal wear and tear).
  • Stains form in the bathroom due to negligence and lack of cleaning (long-term damage).
  • Furniture is damaged due to a fight breaking out in the home after alcohol consumption d (substance abuse).

When assessing damage, consider the following questions:

  • Was the damage caused by me (or a household member or our pet)?
  • Has it caused damage to another person?
  • Was the damage unintentional?

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Simpl Ltd. with its registered office in Kraków, Piwna Street 25/20, 30-527 Kraków, registered by the District Court for Kraków Śródmieście, XI Commercial Division of the National Court Register, KRS: 0000809392, share capital: PLN 23,550.00, Tax Identification Number (NIP): 6793191362.