To let
HomeCompany Protect
- Special insurance for furnished temporary accommodation
- Complete protection of the tenancy
- Simple processing through our partner
Furnished temporary accommodation is now even safer!
Not every household contents or building insurance policy covers damage to a rented apartment, and not every tenant’s personal liability insurance covers damage to rented property. To close this gap, HomeCompany and FAIRsicherungsladen Freiburg have developed insurance cover tailored specifically to furnished temporary rentals.
A claim can be settled only if both parties signed a handover report and an up-to-date inventory list when the tenancy began. These documents demonstrate that the damage occurred during the tenancy arranged by HomeCompany.
Your local HomeCompany agency pays a flat-rate premium for the relevant apartment. Landlords working with participating agencies therefore benefit from additional protection at no extra cost. The terms of the respective local HomeCompany agency apply.
Frequently asked questions
In principle, tenants and landlords of the agencies in Berlin, Bochum, Bonn, Braunschweig, Bremen, Düsseldorf, Dortmund, Essen, Frankfurt, Freiburg, Hamburg, Kiel and Wuppertal* are insured.
“HomeCompany PROTECT” will cover damages to the apartment/house and inventory incurred during the rental period, provided that no other insurance coverage exists (principle of subsidiarity).
* Liability : Berlin – Bonn – – Braunschweig – Kiel/Lübeck
Liability + property content : Hamburg – Frankfurt – Düsseldorf – Dortmund – Essen – Bremen – Bochum – Freiburg – Wuppertal
Liability and contents insurance:
For landlords: The inventory/furnishings of the rented property are insured as with household contents insurance (damage to furnishings due to fire, burglary, mains water and storm/hail). Furthermore, the loss of rent can be reimbursed if an apartment should be unusable due to an insured loss. The sum insured is initially 25,000 euros, but can be increased individually to the actual value.
The insurance also covers damage incurred by the tenant and his guests from the use of the residential properties. Existing personal, commercial or homeowners liability insurance will always take precedence over this coverage. Compensation is limited to 1 million euros for personal injury and 10,000 euros for property damage and financial loss.
For landlords and tenants: The insurance also covers damage to movable property (furniture and technical equipment) belonging to the landlord, insofar as this is located within the landlord’s residential property.
A deductible in the amount of 100 euros shall be borne by the party obligated to pay damages for any property damage covered by the insurance.
For tenants: Key damage is also insured up to a sum of 100,000 euros. The loss of third-party private apartment keys or code cards (including general master keys for a central locking system) that were lawfully in the tenant’s custody is included. Here, too, a deductible of 100 euros is deemed to have been agreed.
Liability insurance
For landlords and tenants: The insurance also covers damage to movable property (furniture and technical equipment) belonging to the landlord, insofar as this is located within the landlord’s residential property.
A deductible in the amount of 100 euros shall be borne by the party obligated to pay damages for any property damage covered by the insurance.
Key damage up to a sum of 100,000 euros is also insured. The loss of third-party private apartment keys or code cards (including general master keys for a central locking system) that were lawfully in the tenant’s custody is included. Here, too, a deductible of 100 euros is deemed to have been agreed.
Report the claim in writing to your participating local HomeCompany agency. Our insurance partner will then handle and process it.
Acceptance and handover protocol (PDF) | Sample inventory list (PDF) For further information, please contact the Fairsicherungsladen Freiburg.
HomeCompany assumes no liability for the presentation of insurance-relevant content and its accuracy.
Contact
We welcome your questions and enquiries about renting and letting furnished homes in Germany. We look forward to hearing from you!