> 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/anleitung/einnahmen-und-ausgaben/buchhaltung-erweiterung/10142700-versicherungen-fuer-gebaeude-umgelegt-auf-mieter.md). # Building insurance (recoverable from tenant) Help on the Immodio entry item Insurance for buildings (recoverable from tenant).
Use this category for the **running premiums of property and liability insurance** serving directly to protect the selected building, its systems and its residents and visitors. The costs of such insurance are in principle recoverable operating costs. Passing them on to the tenants requires the allocation of operating costs to have been effectively agreed in the rental agreement, which is of course the case in the Immodio rental agreement. Section 2 no. 13 BetrKV expressly names building insurance against fire, storm, water and other natural hazards and glass, building liability, oil tank and lift liability insurance. #### What can be entered here? This can include in particular: * residential building insurance, * fire insurance for the building, * insurance against water from pipes, * storm and hail insurance, * natural hazard insurance, for example against flooding, heavy rain, backflow, landslip or snow load, depending on the agreed scope of cover, * building or building glass insurance, * property owner's liability insurance, * liability insurance for a heating oil or other oil tank, * liability insurance for a passenger or goods lift, * other property and liability insurance, as far as it specifically serves to protect the building, its systems, residents or visitors. What is always decisive is that the insurance has a sufficient connection with the building and its intended use. #### Assignment For the assignment select **"Property"** and then the building to which the insurance premium relates. Where a policy insures several buildings, split the invoice using the insurer's breakdown, the insured values or another appropriate and comprehensible measure. #### Allocation to the tenants Where no other effective allocation key was agreed, these costs are generally allocated in residential tenancies according to the share of the living space. Insurance premiums do not depend on an individual tenant's consumption. #### Check package and collective insurance carefully Insurance invoices frequently contain several modules. Only enter the components that actually concern recoverable building, property or liability insurance. Where an invoice also contains **non-recoverable insurance**, those shares have to be deducted before the allocation. You can enter them in the category **"Insurance (not recoverable from tenant)"**. That concerns, for example, policies in which further components are insured together with the building insurance: * the landlord's private liability insurance, * landlord's legal expenses insurance, * contents insurance, * financial loss liability insurance, * insurance for an administrative office, * other exclusively personal or economic risks of the landlord. With a collective invoice, ask the insurer if possible for a breakdown of the individual insurance modules and the premiums attributable to them. #### When this category should not be used The following in particular do not belong here: * the landlord's private liability insurance, * contents insurance for their personal items, * landlord's or land legal expenses insurance, * insurance against general rent arrears, * credit, loan or residual debt insurance, * insurance for the property management or its staff, * construction and builder's insurance for one-off construction projects, * insurance for vehicles, photovoltaic or commercial installations with no direct connection to the communal use of the building, * insurance protecting exclusively the owner's business or financial risk. {% hint style="info" %} Such costs are either not running operating costs or do not serve to protect the building, its residents and visitors. They can be entered in the category **"Insurance (not recoverable from tenant)"** for your own bookkeeping. {% endhint %} #### A special case: rent loss within the building insurance Where a building insurance policy also covers rent loss for a limited time **as a result of insured damage to the building**, under the case law of the Federal Court of Justice that share of the premium does **not** have to be deducted. The whole premium can remain recoverable, because the insurance still serves to restore and secure the building after an insured event. This has to be distinguished from independent rent loss or rent evasion insurance, which protects the landlord generally against rent payments not being made. That primarily protects their economic risk and should not be allocated to the tenants in this category. #### Important: only enter insurance premiums In principle only enter the **running insurance contributions including the running price components contained in the invoice** here. The following in particular are not recoverable as insurance premiums: * an excess paid in the event of a claim, * costs of damage not covered by the insurer, * repair and restoration costs, * the costs of remedying damage, * the landlord's expert or lawyer costs, * damages payments, * the administrative effort of processing an insurance claim. Excesses and costs of damage are not regularly arising insurance premiums. Repair and restoration costs can also be maintenance or repair costs, which are expressly **not** operating costs. #### Observe the requirement of economic efficiency With insurance that is recoverable in principle too, the landlord has to observe the principle of economic efficiency. The insurance cover should match the building, its use and the risks present. That does **not** mean the cheapest tariff necessarily has to be taken out. Unnecessary double insurance, obviously excessive cover or additional costs that cannot be objectively justified can, however, lead to objections from the tenants. Check therefore: * whether the building and the address are recorded correctly, * whether the sum insured still matches the building, * whether extensions, lifts, oil tanks or changes of use were reported, * whether risks are insured twice, * whether non-recoverable additional modules are included, * whether cheaper comparable tariffs are available, #### Documents for the statement Keep in particular the following documents: * the insurance policy, * the contribution invoice, * addenda to the insurance contract, * a breakdown of the individual insurance modules, * proof of payment, * the calculation for policies covering several properties, * evidence of non-recoverable shares deducted, Tenants can ask to inspect the receipts underlying the operating cost statement. The documents should therefore show which property, which insurance period and which risks were insured.