What is Tenant Liability Insurance?
Tenant liability insurance, known as OC Najemcy in Polish, is a form of coverage that protects you from financial consequences for damages caused to a rented property or its furnishings. In other words, it’s a policy that covers repair or compensation costs if you, as a tenant, accidentally damage the apartment, house, or belongings of the landlord.
This is not just a convenience but also a requirement for many landlords when signing a traditional lease or rental agreement.
How much does Tenant Liability Insurance cost?
The cost of this insurance starts at 48 PLN per year, with a coverage amount of up to 50,000 PLN for damages resulting from accidental destruction of the rented property. Additionally, it helps avoid conflicts with the landlord and covers expenses arising from unforeseen incidents.
How to order Tenant Liability Insurance online?
- Go to the PZU website: https://ubestrefa.pl/oferta/Atlant.
- Choose one of four available plans as on the picture
- Enter your email address and click “Send and Continue”.
- Provide the insured person’s details, including address and contact phone number.
- Check the required consents, click “Buy and Pay,” and select a payment method such as BLIK or traditional transfer.
Examples of situations where tenant liability insurance protects you:
- Water damage: You accidentally left the faucet running, causing water damage to the floor or your neighbor’s ceiling.
- Damage to furnishings: Breaking the landlord’s TV screen or scratching the induction hob.
- Property damage: Accidentally damaging the front door or window in the apartment.
With tenant liability insurance, you don’t need to worry about high repair costs or landlord claims—the insurer covers these expenses on your behalf.
Why is Tenant Liability Insurance important?
- Financial security: Even small damages can lead to significant expenses. An OC policy helps you avoid unexpected costs.
- Good relations with the landlord: Having OC insurance shows your responsibility and care for the rented property.
- Peace of mind and comfort: You’ll know that you have financial and legal support in case of problems.
Tenant liability insurance is a simple and affordable form of protection that can save you from many potential issues. Don’t risk it—get covered today!
For any questions, feel free to contact us.
