Remark: More information about how to arrange your insurance can be found in this document.
It's important to arrange a fire insurance so you can protect yourself against three risks mentioned bellow.
1. Tenant's liability
"The Civil Code states that the responsibility for all consequences of fire and related hazards lie with the tenant unless he/she can prove that the cause of the fire was not his or her fault."
As a tenant, you will have to pay for any damage to the house unless you can prove that the damage was caused by:
- events beyond your control (force majeure).
- a third party (neighbours).
- a defect in the building.
A fire can cause significant damage. It is not enough that the landlord insures the house. After the landlord's insurance provider has reimbursed him or her for damage to the building, they will attempt to recover the compensation costs from the tenant.
2. Liability vis-à-vis third parties
If the fire spreads to your neighbour's house and damages it you will be held liable for the damage to your neighbour's property. The neighbour, or his or her insurance provider, will then try to recover the compensation from you.
3. Personal effects
As a tenant, you can also suffer significant material damage if your personal effects go up in smoke. It is in your interest to insure them against the risk of damage. Please note that theft is not included in this type of insurance plan.