Why Special Insurance for Investment Properties?
If real estate investor Do you want to optimally protect your investment? But a standard private home insurance policy is not sufficient rented real estate. In fact, many insurers explicitly exclude rentals or significantly limit coverage.
A investment property insurance has been specifically developed for the risks of rental. This combines home insurance with: liability coverage for landlords, coverage for loss of rent in case of damage, and optional glass and environmental damage insurance.
At Finass Verzekert we are specialists in this property insurance. Whether you own one rental property or manage a complete portfolio – we compare all insurers and find the best coverage at the best premium.
⚠️ Please note: Always Report Rentals
Do you rent out your home without reporting this to your insurer? Then the payment can be refused in the event of damage. Always make sure you have insurance that explicitly covers rental.
What Insurance Do You Need?
Complete protection for your investment property consists of several components. Below you will find the most important insurance policies:
Building Insurance Rental
Covers damage to the structure of your building due to fire, storm, water, burglary and vandalism. Specially for rented properties with coverage for intensive use.
Liability of the landlord
Protects you against claims from tenants or third parties in the event of injury or damage due to defects in your property. Essential for every landlord.
loss of rent
Reimburses lost rental income if your property is temporarily uninhabitable due to covered damage. Term varies from 10 weeks to 12 months.
Glass insurance
Covers breakage of windows, doors and net curtains due to all causes. Ensures quick repair without deductible.
Environmental damage insurance
Covers remediation costs for soil or water contamination. Particularly relevant for older buildings or buildings with an oil tank.
Legal Aid Rental
Legal assistance in conflicts with tenants about rent, maintenance or eviction. Useful for problematic tenants.
Risks as a Landlord Without Good Insurance
As a landlord you run specific risks that standard insurance does not cover:
Liability claims
Tenant falls from defective balcony - you are liable for personal injury
loss of rent
After a fire, the building is empty for 6 months - no rental income
Rejection of Claim
Rental not reported – insurer refuses payment in case of damage
Coverage Compare: Standard vs. Property insurance
| Coverage | Standard Building | Property insurance |
|---|---|---|
| Fire and storm damage | ✓ | ✓ |
| Rental coverage | ❌ Often excluded | ✓ Standard |
| Liability of the landlord | ❌ | ✓ Standard |
| loss of rent | ❌ | ✓ Up to 12 months |
| Intensive use by tenants | ❌ Limited | ✓ Complete |
| Room rental / students | ❌ | ✓ Possible |
| Vacancy | ❌ Max 2 months | Optionally extended |
| Environmental damage insurance | ❌ | Optional |
| Glass insurance | Optional | Optional |
Which Investment Properties Do We Insure?
Rented Properties
Single-family homes for rent
Apartments
Individual apartments or complete blocks
Student houses
Room rental to students
Shop premises
Commercial real estate
Monuments
National and municipal monuments
Mixed Use
Living above shops/catering
