WHAT INSURANCE SHOULD I HIRE WHEN RENT AN APARTMENT?

I’m watching myself how is the question about to rent apartments in Sant Cugat and one of the questions that haunted my mind was the question of insurance when renting a flat. There are lessors who, at the time of renting force you to make a safe. Others do not. Some people do not cease to admonish you, anyway, is something necessary, you will always have good insurance.

So among all the issues related to my search for rent apartments in Sant Cugat documenting me I’ve been a little on the internet about the subject of insurance and have come to these conclusions:

 

ABOUT INSURANCES

The first is that NO, nobody can force you to make a home insurance as a tenant. In fact, there is no law that forces you to buy insurance being tenant of a dwelling. They are your property and responsibilities, and are free to think how best to manage it so that the only obligation comes from prudence and common sense.

Nor can the landlord make me pay your home insurance. Another issue is that part of the negotiations for access to housing, which then should be assessed taking into account that the homeowner is well covered their responsibilities.

But YES, it is desirable that like tenant make home insurance and that insurance covers the continent, content and liability. I explain:

 

WHAT MUST COVER AN INSURANCE

– You can secure for first risk capital to repair elements that prevent the use of housing. You are not the owner but have a legitimate interest in for repair well and soon, to enjoy it in good condition. It is also possible to make renovations to your office in the building, and if you want to get it fixed in case of loss must notify your insurer or otherwise do not cover it.
– In the house you can be furnished by the owner, but your belongings (furniture, appliances, clothing, jewelry, money and credit cards, home appliances, etc.) are not covered by insurance. So everything that comes out of your pocket can lock in your corresponding policy.
– Liability: Of vital importance and the main reason for this insurance. Both leasable liability (for damage that can result in housing) as family civil liability or head of household (for any damage you cause to third parties) are required to not respond for damage that is incurred under your responsibility to your own heritage.