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Liability insurance when renting out a property

A liability insurance is an insurance with which you are insured if you cause damage to another person or someone else's property. In principle, this is an insurance for you as a private individual. The moment you rent out your house , in many cases you are no longer seen as a private person. This means that your private liability insurance may not provide sufficient cover, which could have major financial consequences for you.

Take out liability insurance? Calculate the premium directly!

liability insurance rental house

Conditions of liability insurance for house rental

The moment you rent out your property and earn money from it, you are no longer a private individual for the insurer. This may mean that your private liability insurance does not provide sufficient cover. The first thing you should do is inform your insurer that you are going to rent out your house. They can tell you whether your liability insurance (AVP) still fits your situation. Each insurer has specific conditions regarding renting out houses. You may have to pay an additional premium to your private liability insurance. Or you may have to take out liability insurance for companies (AVB).

Take out liability insurance? Calculate the premium directly!

Major risks for the landlord

The tenant can of course incur damage to his or her belongings. This is material damage, which is annoying but probably surmountable. You can also be held liable if the tenant suffers physical injury as a result of your belongings or property.

Suppose a tenant falls down your stairs because a step is not properly secured and suffers permanent injuries. Or the tenant suffers from carbon monoxide poisoning or is injured in a fire. You will understand that in these cases the financial consequences are incalculable.

Rental property and other home insurance?

What about other home insurance policies when you rent out your house? This can have consequences for both your home contents insurance and your building insurance. The moment you rent out your house, you have to report this to your insurer. Also when you rent out your house temporarily, for example when you go on holiday.

What to do when renting out your property

Do you own your own home and do you rent it out? Please contact us to check whether your liability insurance still suits your situation. You can reach us from Monday to Friday during office hours via the chat . Or by telephone on +31 (0)88 688 3711.

Calculate your liability insurance premium directly

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