Home and Apartment Insurance

Insurer

I want to insure a home or apartment valued at

PLN

and pay a low premium starting from

? PLN

monthly

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We didn’t like insurance either, so we changed it

We won’t emphasize how easy and quick it is to buy insurance from us – we encourage you to find out yourself. And who are we to sell insurance? We collaborate with Poland’s largest insurer, PZU, and are officially registered as an insurance agent with the KNF registry.

What’s this whole home and apartment insurance about?

Imagine it this way...

With home and apartment insurance, you’re protecting not only the walls but also the contents – your personal belongings. Imagine your property turned upside down. Everything that falls is, generally, your possessions. At simpl.rent, we don’t intend to flip your home, but we do aim to turn insurance upside down to make it fair for you and everyone else, once and for all.

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What does the insurance cover?

With PZU, we provide coverage at the highest level against "all risks" – you’re right, it includes fire, floods, vandalism, and much more.

Read the General Terms of Insurance

Your House or Apartment

Your apartment or house and the elements that make it up

For example

Structures: foundations, walls, ceilings, and floors

External elements: gutters, windowsills, fencing, balcony enclosures, terraces, and solar panels

Fixed elements: built-in furniture and appliances, installations, fixtures, and intercoms

Your Assets

Everyday items and elements that are not permanently installed

For example

Electronic devices, home appliances, furniture, and decorative elements

Clothing, jewelry, and personal items

Bicycles, strollers, sports, garden, and outdoor equipment

What does your home protect against?

We provide you with the broadest protection, whether you live in the insured property or rent it out, covering all risks (except those listed in exclusions).

Accidental Events

Power Surges and Vandalism

Other Surprising Events

Theft with Burglary

Robbery at Home or Outside

Damage Repair Costs

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We need to tell you something, it’s about exclusions...

We help make the complex understandable so that damage claims aren’t a surprise. However, remember that PZU will not always pay compensation.

Read the General Terms of Insurance

Liability Exclusions

Just like people, objects also age, so natural wear and tear isn’t considered damage; for instance, curtains fading or a washing machine breaking down over time isn’t covered.

Read about all exclusions

Lack of Property Protection

Leaving your property unsecured, such as unlocked doors or unsealed windows, may lead to theft of valuable belongings.

Read about required security measures

General Insurance Terms and Conditions

Extend protection with what matters to you

Renting your apartment? Check out rent payment insurance

Home Assistance

Your personal home assistance, providing expert help when something goes wrong in your home, such as covering the cost of a plumber for a plumbing issue.

Personal Liability up to 50,000 zł

Accidents happen, sometimes due to our own mistakes. If you or your loved ones accidentally cause damage to someone else, the insurer will pay them compensation, for instance, if you flood the downstairs neighbor.

Breakages and Cracks

Oops, something broke... But it’s not a problem, as insurance provides compensation if an item accidentally breaks, such as a glass oven door.

Legal Protection up to 30,000 zł

Need legal advice? With insurance, you can count on legal protection – including reimbursement for legal fees, support with paperwork interpretation, and procedural guidance.

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Don’t just take our word for it
See what our customers have to say

4.9 (+300 reviews)

Karolina

* Google Reviews

I use simpl.rent with great pleasure. The tenant verification process is smooth, making the rental process easier. I’ve used it multiple times due to my work, and I recommend it wholeheartedly.

Igor K

* Google Reviews

Highly recommended! From a landlord's perspective, it reduces the main risk – the uncertainty around tenants. Fast and professional service. Simpl.rent is a big step towards professionalizing the rental market in Poland.

Dominika S

* Google Reviews

As the owner of Kramm Real Estate, I can wholeheartedly recommend it. We've been using it for months, providing greater security for property owners – a great “litmus test.”

Questions? We are here to help!

Use the Help Center or contact our experts.

Who are you to sell insurance?

We are an insurance agent registered with the Polish Financial Supervision Authority (KNF). We collaborate with the oldest and largest insurer in Poland – PZU, established in 1803. When asked, “Who are you to sell insurance?” we answer that, above all, we are an organization that understands how complicated and confusing the world of insurance can be, and we’re committed to changing that.

How is your insurance different from PZU’s insurance?

PZU is our strategic partner and insurer. We work with them to create transparent, easy-to-buy insurance products tailored to the rental and real estate markets. You can read more about our partnership, for example, here: PZU insures rent payments for users of the simpl.rent platform.

How to report damage in case of an accident?

We don’t want this to happen, but let's assume damage has occurred. In this situation, the first step is to secure the remaining property to prevent further damage. Depending on the incident, this may involve calling the fire department or notifying the police in the case of a burglary. Additionally, report the damage to PZU as soon as possible – no later than within 7 days after the incident. You can contact PZU through the website or by phone:

In what cases will the insurer refuse compensation?

There are exceptions to every insurance coverage, officially known as liability exclusions. What does PZU not cover? Here are a few examples:

Bank cards and securities
Public transportation tickets
Works of art, precious stones, and hunting trophies
Data stored on media, such as a computer
Animals other than domestic pets
Medical equipment and land vehicles
Keys to cars and buildings that are not insured

Additionally, damages resulting from the following are not covered:

Staining or discoloration of the facade due to rain or spillage
Natural wear and tear of equipment, e.g., curtains fading or washing machine breakdown due to worn parts
Moisture in rooms, except for flooding or water damage
Breakage or cracking of items, such as an induction hob, displays, and monitors
Loss, sale, donation, or exchange of insured items
Fraudulent claims arising from deception
Deliberate damage caused by the policyholder or other household members

It is also important to remember that compensation will not be granted if the owner fails to meet their obligations. For instance, if the property is not properly secured, such as leaving doors unlocked or windows unsealed, and a thief enters your home and takes valuable belongings.

We didn’t like insurance either, so we changed it

We won’t emphasize how easy and quick it is to buy insurance from us – we encourage you to find out yourself. And who are we to sell insurance? We collaborate with Poland’s largest insurer, PZU, and are officially registered as an insurance agent with the KNF registry.

What’s this whole home and apartment insurance about?

What does the insurance cover?

With PZU, we provide coverage at the highest level against "all risks" – you’re right, it includes fire, floods, vandalism, and much more.

What does your home protect against?

We provide you with the broadest protection, whether you live in the insured property or rent it out, covering all risks (except those listed in exclusions).

We need to tell you something, it’s about exclusions...

We help make the complex understandable so that damage claims aren’t a surprise. However, remember that PZU will not always pay compensation.

Extend protection with what matters to you

Renting your apartment? Check out rent payment insurance

Don’t just take our word for it
See what our customers have to say

PZU and simpl.rent partnership for safe rentals

Read more about how we’re changing the rental market with PZU.

Reduced risks associated with apartment rentals. PZU insures rent payments for users of the simpl.rent platform.

At PZU, you can also – as an apartment owner – use simpl.rent. This is the first innovative rent payment insurance on the Polish market...

Simpl.rent’s portfolio has a new product: apartment and home insurance, with coverage provided by PZU, as with other policies available through simpl.rent.

Questions? We are here to help!

Use the Help Center or contact our experts.

Who are you to sell insurance?

How is your insurance different from PZU’s insurance?

How to report damage in case of an accident?

In what cases will the insurer refuse compensation?

Documents for Download

We didn’t like insurance either, so we changed it

We won’t emphasize how easy and quick it is to buy insurance from us – we encourage you to find out yourself. And who are we to sell insurance? We collaborate with Poland’s largest insurer, PZU, and are officially registered as an insurance agent with the KNF registry.

What’s this whole home and apartment insurance about?

What does the insurance cover?

With PZU, we provide coverage at the highest level against "all risks" – you’re right, it includes fire, floods, vandalism, and much more.

What does your home protect against?

We provide you with the broadest protection, whether you live in the insured property or rent it out, covering all risks (except those listed in exclusions).

We need to tell you something, it’s about exclusions...

We help make the complex understandable so that damage claims aren’t a surprise. However, remember that PZU will not always pay compensation.

Extend protection with what matters to you

Renting your apartment? Check out rent payment insurance

Don’t just take our word for it See what our customers have to say

PZU and simpl.rent partnership for safe rentals

Read more about how we’re changing the rental market with PZU.

Reduced risks associated with apartment rentals. PZU insures rent payments for users of the simpl.rent platform.

At PZU, you can also – as an apartment owner – use simpl.rent. This is the first innovative rent payment insurance on the Polish market...

Simpl.rent’s portfolio has a new product: apartment and home insurance, with coverage provided by PZU, as with other policies available through simpl.rent.

Questions? We are here to help!

Use the Help Center or contact our experts.

Who are you to sell insurance?

How is your insurance different from PZU’s insurance?

How to report damage in case of an accident?

In what cases will the insurer refuse compensation?

Documents for Download

Don’t just take our word for it
See what our customers have to say