Which insurances should be taken out when renting out a home?

It is important to choose the right insurance to keep the risk of unexpected costs as low as possible. The basic principle is that each party is insured for his or her belongings.

Landlord
The two most important insurance contracts for rented real estate are;

  • Building insurance
  • Liability insurance
  • Contents insurance (in case of a furnished property)

Tenant
If a tenant has his own household effects in the house, it is advisable to insure these by means of household contents insurance. A liability insurance is always advisable, but a tenant can never recover anything from his or her liability insurance if there is damage in the property that has been caused by himself.

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