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News
Is insurance required in a rental home?
 07

  OCT

Is insurance required in a rental home?

When someone decides to rent, they often have questions about home insurance.
From EUROMARKET INMOBILIARIA in Benalmádena (Málaga), we let you know something important and that is that in our country, whether you are an owner or a tenant, the law does not require you to have a home insurance contract.
That does not mean that it is not recommended, since it will protect you in the event of any mishap or damage that may happen in the home.
 
It is important to know the coverage that home insurance usually offers, to know what it protects us from. At EUROMARKET INMOBILIARIA in Benalmádena (Málaga) we know that there are many situations that can occur in a home and that, with good insurance, we can be reassured when covering any incident. From a fire, a water leak that floods our house, a robbery ... well, the risks are many and varied.
Therefore, although it is not mandatory, it is necessary and recommended to have home insurance.
It is interesting for both the owner and the tenant, although in general, the insurance is paid by the owner, that is why he is the owner of the house. But we can differentiate in which cases insurance may be interesting for the owner and for the tenant, both on the continent and in the content.
The continent is about those structural and construction elements of the house, such as the walls, floors, ceilings, electrical and water installations… that is, all the elements that make up the space of the house.
The content deals with those elements that are inside the house, furniture, books, clothes, jewelry, appliances, that is, all those goods that are inside.
As for the continent, at EUROMARKET INMOBILIARIA in Benalmádena (Málaga) we believe that it is interesting for the owner to take care of the insurance, to deal with possible pipe repairs, if the house catches fire or floods ... because if you don't have insurance , would have to bear the cost of such damage.
But there are two cases in which it would be interesting for the tenant to take out the insurance. One is, if you make any reform in the rented home and the other case would be if the owner does not have insurance.
Regarding the content, there are also certain cases in which it may be interesting to take out insurance for both the owner and the tenant. From EUROMARKET INMOBILIARIA in Benalmádena (Málaga), we consider that the owner must take care of the insurance, when he keeps his own objects inside the rented house or in a storage room linked to the house, and also when he rents the house with furniture and appliances . Many owners decide to rent the house fully furnished, to add value. Therefore, you are interested in being the policyholder.
But there are other circumstances for which the tenant will be interested, even though the owner has insurance, to hire a separate one, such as cases of theft of the home or deterioration or total loss of property. For these reasons, we recommend that the tenant take out insurance.
 
As you can see, the issue of home insurance in a rented home is a bit tricky, for that reason, from EUROMARKET INMOBILIARIA in Benalmádena (Málaga) we consider that two insurances are better than none, in order to be calm both by the owner and by part of the tenant and that no one is harmed by any misfortune.
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