> For the complete documentation index, see [llms.txt](https://help.immodio.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.immodio.app/en-start/knowledge-group/insurance-for-landlords.md).

# Insurance for landlords

This page outlines important insurance for protecting your property as a landlord.

Property ownership and letting bring opportunities, duties, and risks. Unforeseen damage, legal disputes, and liability claims can become expensive quickly. The right insurance provides essential protection.

This guide outlines key landlord insurance. It also shows where to find competitive plans through Immodio and our partner tarifcheck.de.

***

### A) Property-related insurance

#### Combined residential building insurance

This insurance protects your property from fire, mains-water damage, storms, hail, and other natural hazards. It is the foundation of property insurance. Proof of building insurance is generally required by a financing bank for purchase or refinancing. Many loan agreements also require it.

**Important considerations:**

* Choose an inflation-indexed replacement-value policy. It can fully fund rebuilding after a claim.
* Natural hazards, such as flooding, backwater, and landslides, require additional natural-hazard cover.
* Consider rental-income-loss cover if damage makes the property temporarily uninhabitable.
* Your policy should include cover for gross negligence.

👉 **Protect yourself effectively:** [➡️ Compare residential building insurance](https://a.partner-versicherung.de/click.php?partner%5Fid=188330\&ad%5Fid=15\&deep=wohngebaeudeversicherung)\*

#### Property owner’s liability insurance

This policy protects owners against damages claims when the property or building harms third parties. Examples include icy paths, falling building parts, or inadequate lighting.

**Important considerations:**

* The policy should cover breaches of duty by appointed third parties, such as winter services.
* Cover should remain in place for vacant properties.

👉 **Protect yourself effectively:** [➡️ Compare property owner’s liability insurance](https://a.partner-versicherung.de/click.php?partner%5Fid=188330\&ad%5Fid=15\&deep=grundbesitzerhaftpflicht)\*

#### Construction insurance for conversions or new builds

For larger building projects, construction insurance is recommended to cover damage during construction.

**Important considerations:**

* The policy should cover vandalism, theft of building materials, and weather damage.
* For conversions of older buildings, check whether existing building fabric is covered.
* Choose suitable sums insured and excesses. Also review cover for planning and design errors.

***

### B) Landlord-related insurance

#### Legal expenses insurance

Legal disputes with tenants cannot always be avoided. Specialist landlord legal expenses insurance covers legal and court costs for tenancy disputes.

**Important considerations:**

* Ensure the policy explicitly includes landlord legal expenses cover.
* Note waiting periods, usually three months, before cover begins.
* Some plans include out-of-court services, such as initial legal advice or mediation.

👉 **Find leading landlord legal-expenses offers:** [➡️ Get legal expenses insurance](https://a.partner-versicherung.de/click.php?partner%5Fid=188330\&ad%5Fid=15\&deep=rechtsschutzversicherung)\*

#### Financial-loss liability insurance for businesses

Financial-loss liability insurance can complement existing cover for landlords operating commercially. This includes property companies, self-employed individuals, and landlords supported by management staff. It protects against financial losses caused to third parties through errors in management, organisation, or letting.

👉 **Compare recommended plans:** [➡️ Take out business insurance for landlords](https://a.partner-versicherung.de/click.php?partner%5Fid=188330\&ad%5Fid=15\&deep=firmenversicherung)\*

*\*Advertising: Immodio uses affiliate links marked with an asterisk (\*). Immodio receives a commission when you take out a product through one of these links. You pay no additional costs.*