Tenant Liability Insurance – Your Financial Protection
What is Tenant Liability Insurance (OC Najemcy)?
Tenant liability insurance (OC Najemcy) protects you from financial consequences in case of accidental damage to the rental property or its furnishings. In simple terms, this policy covers repair or compensation costs if you, as a tenant, unintentionally damage the apartment, house, or belongings owned by the landlord.
Many landlords require tenants to have liability insurance before signing a rental agreement.
How Much Does Tenant Liability Insurance Cost?
The insurance cost starts at 48 PLN per year, with coverage of up to 50,000 PLN for accidental damage to the rented property. This helps you avoid unexpected expenses and potential disputes with the landlord.
How to Purchase Tenant Liability Insurance Online?
- Visit the PZU website → https://ubestrefa.pl/oferta/Atlant
- Choose one of four available plans – each offering different coverage options.
- Enter your details – email, insured person’s address, and contact number.
- Accept the required terms and proceed to payment.
- Pay for your policy – choose from convenient payment options (BLIK, bank transfer).
What Does Tenant Liability Insurance Cover?
✔ Protection against accidental damage – covers repair or compensation costs if you accidentally damage the property, such as flooding an apartment or breaking furniture.
✔ Coverage for personal belongings – protects your own household items against risks like fire, water damage, burglary, or power surges.
✔ Assistance services – includes coverage for emergency services like locksmiths, electricians, and plumbers, with PZU covering the costs.
✔ Legal protection – access to legal advice and coverage for legal expenses related to rental issues.
Examples of Situations Where Tenant Liability Insurance Protects You:
✅ Water damage – you accidentally leave a tap running, causing water damage to the floor or a neighbor’s ceiling.
✅ Damage to appliances or furniture – such as a broken TV screen or a scratched induction cooktop belonging to the landlord.
✅ Structural damage – accidental damage to doors, windows, or walls in the rental property.
With tenant liability insurance, you don’t have to worry about high repair costs – your insurer will cover them for you.
Why Is Tenant Liability Insurance Important?
🔹 Financial protection – even small damages can result in high costs. This insurance helps you avoid unexpected expenses.
🔹 Better relationship with your landlord – having liability insurance shows you are a responsible tenant.
🔹 Peace of mind and security – you know that in case of issues, you have financial and legal support.
📢 Don’t take risks – secure yourself today!
Have questions? Contact us!
