How does Rental Insurance work with home and property insurance?

Wonder about the differences between rental and other insurance types? See how they work together and what each one covers!

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Flatio's Rental Insurance for Landlords - Powered by AXA is designed to complement, not replace, your personal home or property insurance. Your personal insurance typically covers general scenarios such as natural disasters and theft. In contrast, rental insurance targets specific situations arising from the rental process.

The table below provides a comparison of the various types of insurance.

Property insurance (not provided by Flatio)

Physical structure of a building (apartment, house) and its walls, roof and floors

Damage/loss caused by fire, explosion, flood, earthquake, vandalism, etc.

Repairs or restoration of the property

Rental insurance

provided by Flatio

Damage of your property and it’s structure (e.g. walls, floors) in connection with rental

Loss or damage of your property’s content (e.g. a TV) during a rental; liability of tenant for damages

Assistance services resolving an emergency situation in your property (plumber, heating engineer, gas fitter, electrician, appliance repair technician)

IT assistance for internet connection issues

Blocked-up door or lost keys

Loss of future income (up to 2 months)

Home insurance (not provided by Flatio)

Content of your property (furniture, appliances, clothing, personal belongings)

Theft, fire, flood, vandalism

Liability coverage (damage to another person's property or health)

Replacement of lost or damaged items

You can read all about the specifications of the insurance in our Help Center.

Our Rental Insurance provides specialized coverage for aspects like accidental property damage, pet-caused damage, damage to another person, and loss of income due to tenant-caused damage. Additionally, it offers insurance of assistance services for instances of disrepair, pest control, lock jamming, appliance repair, and IT assistance, as well as legal protection insurance for any tenant-related disputes.

Together with your personal insurance, our Rental Insurance creates a comprehensive safety blanket for your property, ensuring a secure, streamlined, and worry-free rental experience.