Preferred tenants
With our insurance you become a more attractive applicant for landlords, who may give you preference when choosing a tenant.
The road to renting leads through insurance
When choosing a tenant, landlords prefer responsible applicants. Our liability insurance covers not only damage in your everyday civil life, but also damage caused to the rented property. This puts landlords' minds at ease and significantly increases your chances of being the one they choose.
Why take out liability insurance?
Liability insurance is a given. It protects both you and the landlord from unexpected damage and shows that you are a reliable tenant. With our liability insurance, renting becomes completely worry-free. It covers damage to properties you rent, including damage you didn't cause yourself.
Property protection
Our insurance also covers damage to landlords' properties, making you an attractive tenant at no extra cost.
For the whole family
We cover damage caused by you, your children, or your pets, so your entire family is protected.
Cover for third parties
Our insurance covers harm caused to other people, so you're protected even in the case of accidental damage.
How does it work?
Fill in a few details
No lengthy paperwork or waiting. You fill in a clear form and specify your requirements.
Arrange everything online
Within moments we prepare an individual offer and send it to your email. You can accept it from the comfort of home by paying.
Landlords will prefer you!
And you're insured. The whole process takes just 2 minutes. And you have peace of mind knowing you're protected against unexpected events.
How has insurance helped you?
Unintentionally flooding the neighbours
Markéta, a young tenant in a housing-estate flat, forgot to turn off the water in the bathroom, causing the bath to overflow. Water leaked into the flat below and damaged the neighbour's ceiling and furniture. Thanks to the insurance, the insurer covered the damage to the neighbour's property, so Markéta avoided having to pay compensation herself.
Damage to a rented flat while moving
Petr was moving into a new flat, but while moving furniture he accidentally damaged the wooden floor and a door. Since he was insured, his insurance covered the cost of repairing the damage, and the landlord had no reason to withhold money from his deposit.
A broken window while airing the flat
Lenka, who lives in a rented flat, opened a window that then swung hard into the wall and shattered. Thanks to the insurance, the damage to the window was fully covered, and Lenka didn't have to pay for the repair out of her own pocket.
Destruction of a kitchen appliance
Jan, who rented a flat with a fully equipped kitchen, accidentally started a fire in the microwave when he put a metal object inside it. The insurance covered the damage caused by the tenant, including the cost of a new microwave, so Jan didn't have to worry about disputes with the landlord.
Damage to flat furnishings caused by children
Simona, a tenant with small children, found that her children had accidentally covered the landlord's sofa in drawing paints, leaving stains that couldn't be removed. Thanks to the insurance, the cost of a new sofa was covered by the insurer, so Simona didn't have to bear the cost of the damage.
A flowerpot knocked off the balcony
Františka had recently moved from a village to Prague to be closer to her family. Although she had gotten used to her new flat, she was still surprised by how small the balcony was, where she kept her beloved flowers. One day, while watering the flowers, she lost her balance by accident and knocked a pot with a dieffenbachia plant straight onto her neighbour's new car. The pot smashed the windscreen, causing considerable damage. Fortunately, Mrs. Františka had liability insurance, which covered the damage, so she didn't have to worry about her modest pension.
Unintentionally flooding a neighbour's flat
Mrs. Zuzana, a tenant in an apartment building, accidentally left the kitchen tap running, which flooded the flat of the neighbour below. The neighbour's ceiling and some furniture were ruined. Fortunately, Zuzana had liability insurance, which covered all the costs of repairing the neighbour's flat. Zuzana didn't have to deal with any financial compensation, and relations with the neighbours stayed good.
Damage to bathroom tiling
Mrs. Veronika rents a flat where she accidentally broke the ceramic tiling in the bathroom when a heavy shelf fell on her while showering. Repairing the ceramic tiles was costly, but thanks to the insurance, which covered damage to the rented property, Veronika wasn't forced to pay for the repair herself. The landlord appreciated the quick resolution, and there was no reason to withhold money from her deposit.
Damage to a neighbour's furniture
Mr. Jakub, who had rented a flat for a longer period, wanted to carry out minor maintenance on his air conditioning unit when it accidentally slipped from the window onto the neighbour's balcony. The air conditioning unit broke and also damaged the neighbour's furniture. However, Jakub had liability insurance, which covered the repair of the air conditioning unit as well as compensation to the neighbour for the damaged property.
Blocked kitchen drain
Jan, who rented a flat with a fully equipped kitchen, accidentally started a fire in the microwave when he put a metal object inside it. The insurance covered the damage caused by the tenant, including the cost of a new microwave, so Jan didn't have to worry about disputes with the landlord.
A door damaged by a dog
Alena, a tenant, left her dog home alone when she went to work. While she was away, the dog got bored and scratched at the front door until it was completely ruined. The repair was costly, but Alena had liability insurance, which covered the damage, so she didn't have to pay out of pocket and avoided disputes with the landlord.
A TV knocked over by a cat
Jana lived in a rented flat with her cat Mína, who one day knocked the TV off a shelf while playing. The TV was part of the flat's furnishings provided by the landlord, and replacing it would have cost several thousand crowns. Fortunately, Veronika had liability insurance, which covered the damage to the TV, so she didn't have to pay for the replacement herself.
A parquet floor ruined by a dog
Tomáš rented a flat with beautiful wooden parquet flooring. However, his energetic dog Max damaged the parquet while running around the flat, leaving scratches and several deep grooves. Repairs were necessary, but thanks to the insurance Tomáš had taken out, all the costs of renovating the parquet floor were covered by the insurer, and the landlord was pleased with the quick resolution.
Documents for download
Here you'll find all the documents you need relating to our liability insurance. All documents are available for download in PDF format.
What interests you most
Liability insurance will significantly help you when looking for housing, because property owners often prefer insured applicants. The properties they rent out are worth millions of crowns, and owners want to protect themselves against possible damage, which could reach tens or hundreds of thousands of crowns. Without insurance, such amounts could be very difficult to recover from a tenant. For an owner, an insured tenant is therefore a guarantee that, in the event of damage, the situation can be resolved without unnecessary complications.
Even though the landlord doesn't see the details of your policy, they learn that you are insured, which gives them greater peace of mind. In many cases, landlords even require liability insurance directly in the rental agreement. That's why you should always keep the confirmation from the insurer, so you can present it to the landlord at any time. This step increases your chances of successfully signing a rental agreement.
Taking out liability insurance through Bezrealitky can help you become a significantly more attractive tenant in the eyes of landlords. An insured applicant is a safer choice for a property owner, because in the event of damage, the insurer has your back. This fact significantly increases your chances of signing a rental agreement.
Civil liability insurance protects you in the event that you cause damage to someone else's property or cause personal injury. For example, if you accidentally damage the fittings in a rented flat or cause an injury to a neighbour, liability insurance covers the cost of repair or compensation for the damage.
If you already have liability insurance in place, you just need to provide us with confirmation of its validity. You can easily upload it to your Bezrealitky profile, and we'll take care of the rest. It's important that the insurance meets the landlord's required conditions.
At Bezrealitky, liability insurance is arranged for one year with the option of automatic renewal. The insurance takes effect on the day the premium is paid.
Yes, the insurance covers damage caused by you, your family members, and even pets, up to CZK 2 million. This way, all unexpected situations that may arise are covered.
We arrange liability insurance at Bezrealitky in cooperation with Česká podnikatelská pojišťovna (ČPP). This renowned insurer offers reliable liability insurance that provides you with the protection and peace of mind you need while renting. Thanks to our partnership with ČPP, we can offer our customers quality services and favourable terms.
An insurance claim can be reported directly to our partner, Česká podnikatelská pojišťovna (ČPP), by phone at +420 957 444 555, or you can report the damage via this link. To report a claim, you will need your policy number.
The insurance can be cancelled by contacting our partner Česká podnikatelská pojišťovna (ČPP) directly by phone at +420 957 444 555 or via this link. To cancel, you will need your policy number.