Are you a foreigner renting a flat in Poland? Find out why it’s worth having third-party liability insurance as a tenant.
Renting a flat is a common choice among foreigners in Poland, including students, professionals, and entire families who choose to live there for many months or even years. However, the longer you stay in rented accommodation, the greater the risk of accidental damage. What would you do if your dog scratched the wooden floor, your child broke a window or you accidentally flooded your neighbour’s flat? In such situations, renters’ liability insurance can be a lifesaver — it protects not only the landlord, but also you as the tenant.
Third-party liability insurance is inexpensive and offers great benefits. What’s more, the purchase process is extremely simple — you can arrange it all online without leaving home. All it takes is a few clicks: 👉 Check out the details and buy your policy online!
Why should foreigners renting apartments have a third-party liability policy?
When signing a rental agreement in Poland, the tenant is responsible for the premises and its equipment. In the event of damage, whether intentional or unintentional, the landlord reserves the right to request repairs or reimbursement. For a foreigner, this is often a stressful situation, especially in a country whose language and laws may not yet be completely familiar. Tenant liability insurance provides financial security by covering the cost of any damage you, as a tenant, may cause to the rental property.
Furthermore, having such insurance demonstrates your responsibility and reliability as a tenant. Many property owners in Poland appreciate those who voluntarily take out a third-party liability policy, as it is a clear indication of their commitment to fulfilling their obligations.
What does renters’ liability insurance cover?
It protects you against the financial consequences of accidental damage caused:
- in your flat or house. Examples include flooding, scratching the parquet floor, and damage to fittings or furniture.
- on your landlord’s property, such as white goods, RTV, furniture, doors and walls.
- in your neighbours’ property, e.g. flooding of the ceiling.
- by your pets or children, e.g. a scratched sofa or bitten chair.
Importantly, your policy can also cover liability outside your home, for example if your child breaks a window in a stairwell, scratches a neighbour’s car with their bike, or if your dog causes damage in a public space.
It’s not just the landlord who needs to take care of their belongings
Many foreigners in Poland rent unfurnished flats, so they often bring their own electronics, such as laptops, bicycles and games consoles. It’s worth knowing that basic third-party liability insurance does not cover these items unless you extend your policy to include personal belongings.
This add-on protects your belongings in the event of burglary, fire, flooding or a power surge. Such protection only costs a few zloty a year — a really small price to pay for peace of mind.
Do you have a dog, cat or other pet? Renters’ insurance and liability for your pet
Landlords are often reluctant to accept tenants with pets. They are concerned that the pet will damage the property. Tenants’ liability insurance also covers such cases – the insurer will pay for damage caused by:
- dogs and cats (except for breeds deemed aggressive);
- hamsters, rabbits, guinea pigs and birds;
- other domestic animals kept for non-commercial purposes.
You can use this information to support your case with your landlord, as it shows that you can protect your flat even if you have a pet. Tenant’s liability insurance can be considered as an alternative to the deposit, which is usually equivalent to one month’s rent.
Assistance: 24/7 emergency support and more
As part of the extended policy, you can benefit from the assistance package, which provides practical help in emergency situations. This includes the free arrival of specialists such as locksmiths, plumbers, electricians and electronics/appliance technicians.
This is a particularly useful feature for people from abroad — you can quickly access support without having to look for specialists by yourself.
What is the process for buying a tenant’s third-party liability policy?
Very simply — you can arrange everything online, even if you don’t speak Polish. You don’t need to enter the technical data of the property. All you need to do is:
- Go to the website: 👉 iexpert.pl/najemcy/ubezpieczenie-oc-najemcy-mieszkania
- Fill in a simple online form (also available on mobile).
- Pay a premium – from as little as PLN 48 per year.
- You will then receive your policy by email, ready to present to your landlord.
If you have any questions, you can contact an advisor on: +48 22 646 42 42. The service is friendly and helpful, and available to foreigners too.
Tenants’ third-party liability – more than just a requirement
Some rental contracts in Poland require you to take out third-party liability insurance as a tenant. However, even if your landlord doesn’t require it, it’s worth doing so on your own initiative. It shows that you care about yourself and others, and that you take renting seriously and respect other people’s property.
It’s not worth waiting until something unforeseen happens. Taking out renters’ liability insurance is a simple decision that can save you from serious costs and stress. It provides real protection for both you and your landlord, offering financial security and demonstrating your responsibility as a tenant. Whether you’re planning to stay in Poland for a few months or a few years, a policy like this will give you peace of mind, reassuring you that even if damage occurs, you won’t be left alone with the problem. And you can purchase it online in minutes for a small fee.
