Tenant / Renters Insurance Policy

Many landlords will be required prior to signing the contract, proof of liability insurance - which is also the perspective of a landlord is also perfectly understandable.
For example, it should be through the fault of the tenant time to come to a house fire, fast times result in damage caused by hundreds of thousands or millions of euros. This requires only liable to the tenant.

But more often it happens that you lose a room key. Ansich nothing dramatic, because a circuit can copy itself. Pitch only when you are in an apartment building with a locking lives where the keys fit the same for home and apartment door. If you lose such a key, you can not have him imitate. No later than the next move, however, will notice the missing keys. The landlord will then insist that you replace the cylinder lock of the door and the apartment doors of all tenants. After all, he wants to ensure that the potential not find the key used for a burglary. Bills in the three-digit level are not uncommon then.

Even "not-so-bad" looking damage can end up being really expensive.
For example, you would be with the snow-clearing snow from the series, but have not forgotten. Then comes the postman, place a Rittberger "back and thanks to a bone fracture. For this he is indeed insured, but the insurance company will make sure recourse prescription, so you ask the cost of return.

For many private areas out liability insurance is always advisable. For that you somehow and sometime something to break something can always happen (eg if the eyes of friends somehow "stood in the way"). A Liability insurance is therefore absolutely necessary and does not cost too much.

Property and tenancy protection

Leases often end in court. Fortunately, the armed values that are calculated as the court costs and attorneys' fees are usually not very high. Anyone who still has a bad feeling can be against the legal and court costs with a private Legal expenses insurance for tenants to secure.

For smaller disputes (eg because of the charge settlement) membership of a tenants' association is often the cheaper alternative. An aid in court with counsel can not, however, given by tenants' associations.