What is Tenant’s Liability Insurance (OC Najemcy)?
As part of your lease agreement with To Be Rent, you are required to take out a Tenant’s Liability Insurance policy (OC w życiu prywatnym) with a minimum coverage of PLN 100,000. The policy must also cover damages caused to the rented property itself (ROZSZERZENIE ZAKRESU ODPOWIEDZIALNOŚCI O SZKODY POWSTAŁE W MIENIU NAJMOWANYM).
What does it cover?
The insurance protects you against accidental and sudden damages caused to third parties or the rented property — for example, accidentally flooding a neighbor’s apartment, breaking a landlord’s furniture, or damaging common areas of the building.
What is NOT covered?
The policy will not cover the following situations:
- Normal wear and tear of the apartment resulting from everyday use
- Gradual or long-term damage that accumulates over time — for example, systematic scratching of furniture, sofas, cabinet fronts, table legs or doors by pets over an extended period
- Visible destruction of furniture or surfaces after months of repeated use or contact (e.g. damage becoming apparent after 8–12 months)
- Damages caused by gross negligence
- Intentional damages
Important: The policy only covers unexpected, one-time, and accidental incidents — not damage that develops slowly or builds up over time.
To Be Rent recommends PZU as an insurance provider, though you are free to choose any insurer whose policy meets the required conditions.
In the scope of Tenant’s liability insurance, TO BE RENT can recommend PZU.
Buy insurance online
September 2022
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