s
Insurer

Rent Payment Insurance

I want to insure the rental income of
PLN
and pay a fair premium from
? PLN
per month
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We didn’t like insurance either, so we changed it

We won’t emphasize how easy and fast it is to buy insurance with us – we encourage you to see for yourself. And who are we to sell insurance? We work with Poland’s largest insurer, PZU, and are officially known as an insurance agent registered with the KNF.

Read more about our collaboration with PZU

What is rent payment insurance?

Read the General Terms of Insurance

When it comes to renting, you’re not an island...

The biggest challenges for landlords? Non-paying tenants and property damage, but there are ways to protect yourself. With landlords in mind, we partnered with PZU to create rent payment insurance, which protects your rental income. If the tenant stops paying or the property is damaged, causing a rental gap, you can receive compensation for up to 3 months of rent specified in the lease agreement (max limit is 24,000 PLN).

Calculate premium in 5 minutes
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What does the insurance cover?

You decide what you need – with insurance from PZU and simpl.rent, you can create a customized scope of protection.

Read the General Terms of Insurance
Rental Payments
Rental Payments
Get rental payment coverage if the tenant delays payment for more than 30 days (up to 3 months of rent, max 24,000 PLN)
Rental Interruption
Rental Interruption
If the property is damaged and uninhabitable, you can expect compensation (up to 3 months of rent, max 24,000 PLN)
Legal Protection
Legal Protection
Protect your legal interests, e.g., if the tenant doesn’t pay or refuses to move out; additionally, safeguard personal data with the Super option
Home Assistance
Home Assistance
Get organized assistance and cost coverage for issues like plumbing breakdowns
Landlord’s Liability Insurance
Landlord’s Liability Insurance
Protection if you or your family unintentionally cause harm to others
Breakage and Cracks
Breakage and Cracks
Receive compensation for accidental damage to items like breakage or cracking
Household Movables
Household Movables
Protect your belongings in case of unforeseen events or theft
Property Insurance
Property Insurance
Insure your property against various risks, e.g., fire, flood
Read more about the insurance in General Terms and Conditions of Insurance
Calculate premium in 5 minutes

Clear rules, transparent premium, and no hooks, because we leave those to the fishermen

Protection against unpaid rent
We’ll insure you against lost rental income if your tenant is at least 30 days overdue in payment
Compensation for rental interruption
Receive compensation if your property is so damaged it prevents the tenant from inhabiting it
Insurance coverage up to 24,000 PLN
You can receive compensation equal to up to 3 months’ rent specified in the lease agreement (maximum of 24,000 PLN for both cases combined)

Prudent always insured

Learn about situations in which the insurer pays compensation due to protection of the owner

The tenant does not pay rent at least 30 days from the date specified in the rental agreement?
Unpaid rent
Has the premises for rent been inadvertently damaged and became uninhabitable?
Loss of rent
Demolished apartment? The tenant does not pay? The renovation company does not meet the deadlines?
Legal expenses
A neighbor's apartment flooded, a child damaged someone's car with a ball, and a dog destroyed a neighbor's lawn?
Public liability insurance
While cooking dinner, the lid of the pot fell on the induction hob and broke it?
Cover for broken fragile items
Your new TV or fridge (electronics and household appliances) broke down and requires professional repair?
Home Assistance (Standard Plus)
The door lock has been damaged and you need the help of a locksmith?
Home Assistance (Comfort, Standard Plus)
Lightning stroke on the power line and the electrical system was short-circuited?
Building (real estate)
Water started leaking from your fridge because of a clogged drain and damaged your floor panels?
Movable property (contents) insurance
The tenant does not pay rent at least 30 days from the date specified in the rental agreement?
Unpaid rent
Has the premises for rent been inadvertently damaged and became uninhabitable?
Loss of rent
Demolished apartment? The tenant does not pay? The renovation company does not meet the deadlines?
Legal expenses
A neighbor's apartment flooded, a child damaged someone's car with a ball, and a dog destroyed a neighbor's lawn?
Public liability insurance
While cooking dinner, the lid of the pot fell on the induction hob and broke it?
Cover for broken fragile items
Your new TV or fridge (electronics and household appliances) broke down and requires professional repair?
Home Assistance (Standard Plus)
The door lock has been damaged and you need the help of a locksmith?
Home Assistance (Comfort, Standard Plus)
Lightning stroke on the power line and the electrical system was short-circuited?
Building (real estate)
Water started leaking from your fridge because of a clogged drain and damaged your floor panels?
Movable property (contents) insurance
The tenant does not pay rent at least 30 days from the date specified in the rental agreement?
Unpaid rent
Has the premises for rent been inadvertently damaged and became uninhabitable?
Loss of rent
Demolished apartment? The tenant does not pay? The renovation company does not meet the deadlines?
Legal expenses
A neighbor's apartment flooded, a child damaged someone's car with a ball, and a dog destroyed a neighbor's lawn?
Public liability insurance
While cooking dinner, the lid of the pot fell on the induction hob and broke it?
Cover for broken fragile items
Your new TV or fridge (electronics and household appliances) broke down and requires professional repair?
Home Assistance (Standard Plus)
The door lock has been damaged and you need the help of a locksmith?
Home Assistance (Comfort, Standard Plus)
Lightning stroke on the power line and the electrical system was short-circuited?
Building (real estate)
Water started leaking from your fridge because of a clogged drain and damaged your floor panels?
Movable property (contents) insurance

Tenant Certificate means lower insurance costs

A positive Tenant Certificate for your tenant saves you 888 PLN per year*
*Discount applies with full tenant verification

The Tenant Certificate allows remote tenant verification in minutes, reducing formalities to a minimum

Confirms tenant identity, checks credit history, and verifies income sufficiency to cover rent

Saves on premium – verifying the tenant can reduce your insurance cost by up to half

Learn more
Ubezpieczenie najemcy

Don't just take our word for it
See what our clients have to say

4.9 (+360 reviews)

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The development of insurance and financial services in the rental market has accelerated greatly thanks to simpl.rent. The package of dedicated landlord insurances, combined with the Tenant Certificate, protects us from non-paying tenants and also safeguards modern furnishings. It’s a valuable addition to tenant verification, as the insurance protects us from unforeseen events.

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Magdalena Rybicka
Sales and Marketing Director at LifeSpot
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The insurance policy's philosophy is simple: if the tenant doesn’t pay for 3 months, the company compensates for what we missed, up to a certain amount – in the PZU policy, this is 9,000 PLN. Importantly, the policy offers legal assistance in case the tenant refuses to vacate the property voluntarily.

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Subiektywnie o finansach
www.subiektywnieofinansach.pl

PZU and simpl.rent collaboration for safe rentals

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

Reduced risk in apartment rentals. PZU insures rent payments for simpl.rent users.

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With PZU, you can also – as a property owner – use simpl.rent. It’s the first of its kind in the Polish market, an innovative rent payment insurance...

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PZU provides rental property owners with rent protection. If, for any reason, a tenant fails to pay rent for 3 months, the insurer will pay compensation.

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Questions? We are here to help!

Use the Help Center or contact our experts.

What is rent payment insurance?

Rent payment insurance protects against non-paying tenants who are at least 30 days overdue, provided the situation occurs during the insurance period. Rent refers to the amount specified in the lease agreement. Insurer PZU will compensate for the period of non-payment up to 3 months' rent (no more than 24,000 PLN). The income loss period cannot exceed 3 months and must be at least 1 month.

What is the Tenant Certificate and how does it affect the insurance premium?

The Tenant Certificate is a safe process that verifies tenant credibility with their consent – quickly, securely, and remotely, without additional paperwork. The potential tenant receives a unique link as an invitation to verification, and they then choose how to confirm identity and income. The verification of payment and credit history is automatic based on data from credit bureaus.

The result is a Tenant Certificate, which informs the landlord about any risk areas related to renting to that individual.

Read more about tenant verification with simpl.rent

A verified tenant means reduced rental risk, peace of mind, and thus, greater security. If the property you’re insuring has a tenant with a positive Tenant Certificate, you’ll pay less for insurance, as the risk of a future insurance event is lower.

Who can benefit from rent payment insurance?

Rent payment insurance is designed for landlords – both private property owners and rental management companies, as well as PRS.

Additionally, for real estate agents who wish to offer their clients professional protection, we provide a dedicated option to invite landlords to rent payment insurance through simpl.rent.

How to file a claim?

You can report a claim to PZU if the tenant is over 30 days late in paying rent and does not respond to reminders.

Claims can be made through your simpl.rent account.
  1. Under the policy with the claim, expand the three dots and select 'Report a claim.'
  2. Complete the form, then download it as a PDF.
  3. Send the form with required documents to kontakt@pzu.pl.
  4. Title the email '[policy number] - safe rental with simpl.rent - email contact.'
  5. If you prefer not to limit contact to email, remove 'email contact.'
  6. You will receive a case number, and a designated PZU representative will reach out if additional documents are required.

Remember to attach all required documents with your claim. Missing documents may result in the claim not being accepted by PZU.
See more

Documents for Download

OWU Ubezpieczenia płatności czynszu

55KB

Karta Produktu Ubezpieczenia płatności czynszu

142KB

Regulamin świadczenia usług ubezpieczeniowych

166KB

Safe rental solutions for all parties, at every stage.

+48 12 881 53 78 info@simpl.rent
Be close to us
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.