Homeowner & landowner liability insurance

Homeowner & landowner liability insurance

Homeowner & landowner liability insurance can protect you from high claims originating from your property, whether you’re at fault or not.

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Homeowner & landowner liability insurance


Homeowner & landowner liability insurance

Homeowner & landowner liability insurance can protect you from high claims originating from your property, whether you’re at fault or not.

Homeowner & landowner liability insurance

What is it?

The homeowner & landowner liability insurance protects you, as the owner, from personal injury and material damages occurring in your property or on your land. Although regular liability insurance covers your own personal home, as a landlord, community of owners or owner of an undeveloped property you need homeowner & landowner liability insurance. Even if you’re not directly responsible for the occurring damages, you’re still responsible for the property: With ownership comes responsibility!

What are the benefits?

Sometimes an accident can happen in a property you rent out. If, for example, a light is broken in the stairwell and someone falls down the stairs, they can claim damages. Similarly, a loose roof shingle may fall onto a car and cause severe damage. In these cases you as the owner are responsible and therefore liable for the financial consequences.
In most cases, the homeowner & landowner liability insurance will examine whether there’s a justified claim for damages and if necessary will cover the costs.
However, taking out homeowner & landowner liability insurance doesn’t release you from your obligation of due diligence. When, in the case described earlier, the damage to the light in the stairwell has been known to you for months already, this may be considered as negligent. This may, depending on the degree of negligence, result in the insurance provider reducing the amount they pay out.

Who is it for?

Homeowner & landowner liability insurance is important for landlords, members of communities of owners as well as for owners of undeveloped properties. In case you own more than one property, you will need separate insurances for each of them.
If you rent out single rooms in your personal home or sublet your home, you do not require additional insurance. Similarly, if your real estate is still in its construction phase, a homeowner & landowner liability insurance is not necessary. In this case however, you will need to take out builder’s liability insurance.

Conclusion

Homeowner & landowner liability insurance is one of those types of insurance with a large range of offers and options, depending on the size and number of properties to be insured. Together, we’ll find the ideal package to protect you and your properties from high damage claims of all kinds.

Interesting & Useful things

Homeowner & landowner liability insurance

Did you know?

Starting at approx. €30 / annum

Costs of a basic H&L liability policy

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