> 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/wissen/vermieter-versicherungen.md).

# Insurance for landlords

This page gives you an overview of the most important insurance policies you need as a landlord to protect your property.

Owning a property and letting it out brings not only opportunities but also duties and risks. Unforeseeable damage, legal disputes or liability questions can quickly become expensive. With the right insurance you create the security you need as a landlord.

In this article we give you an overview of the most important insurance policies for landlords and at the same time show you where to find top rates on the best terms, conveniently through Immodio and our partner tarifcheck.de.

***

## A) Property-related insurance

### Combined residential building insurance

This insurance protects your property against damage from fire, water from pipes, storms, hail and other natural hazards. It forms the basis of any property insurance. Proof of existing residential building insurance usually also has to be presented to the financing bank when purchasing or refinancing, and many loan agreements require it contractually.

**Important aspects:**

* Make sure the policy is based on the sliding replacement value, so that rebuilding can be financed in full in the event of a claim.
* Damage from natural hazards (for example flooding, backwater, landslide) is only covered by additional natural hazard insurance.
* It is advisable to include cover for loss of rent in case the property is temporarily uninhabitable after damage.
* Cover in cases of gross negligence should be included in the contract.

👉 **Get the best cover here:**\
[➡️ Compare residential building insurance](https://a.partner-versicherung.de/click.php?partner_id=188330\&ad_id=15\&deep=wohngebaeudeversicherung)\*

### Property owner's liability insurance

This policy protects owners against claims for damages if third parties are harmed by the land or the building (for example by icy paths, falling building parts or inadequate lighting).

**Important aspects:**

* The insurance should also pay out where duties are breached by third parties you have engaged (for example a winter service).
* Cover should also remain in place for vacant properties.

👉 **Get the best cover here:**\
[➡️ Compare property owner's liability insurance](https://a.partner-versicherung.de/click.php?partner_id=188330\&ad_id=15\&deep=grundbesitzerhaftpflicht)\*

### Construction insurance (for conversions or new builds)

For larger construction projects, construction insurance is advisable in order to cover damage during the building phase.

**Important aspects:**

* This policy should also include vandalism, theft of building materials and storm damage.
* For conversions of older buildings it is advisable to check whether the existing building fabric is covered as well.
* The sums insured and excesses should be chosen appropriately, as should the options for including planning and design errors.

***

## B) Landlord-related insurance

### Legal expenses insurance

Legal disputes with tenants cannot always be avoided. Dedicated legal expenses insurance for landlords covers lawyer's and court costs in disputes relating to the tenancy.

**Important aspects:**

* Make sure that landlord legal expenses cover is explicitly part of the policy.
* Note the waiting periods, usually three months, before the insurance takes effect.
* Some policies offer out-of-court services, for example an initial legal consultation or mediation, which can be helpful.

👉 **Here you will find the best offers for landlord legal expenses cover:**\
[➡️ Get legal expenses insurance now](https://a.partner-versicherung.de/click.php?partner_id=188330\&ad_id=15\&deep=rechtsschutzversicherung)\*

### Professional indemnity insurance (for companies)

Particularly for landlords who organise their activity commercially, for example through a property company, as a self-employed individual or with the support of administrative staff, professional indemnity insurance is a sensible addition to existing cover. It protects against financial losses caused to third parties by errors in management, organisation or letting.\
\
👉 **Compare recommended policies here**:\
➡️ [Take out business insurance for landlords](https://a.partner-versicherung.de/click.php?partner_id=188330\&ad_id=15\&deep=firmenversicherung)\*

<sub>*\*Advertising: Immodio uses what are known as affiliate links, marked with an asterisk (\*). If you take out a product through such a link, Immodio receives a commission. No additional costs arise for you.*</sub>