Experience a new level of safety
for landlords

Flatio's Rental Insurance for Landlords is a coverage backed by AXA, one of the top 5 global insurance giants.

Our liability insurance plan goes beyond regular property damage, with extensive coverage including liability for pet mischief, accidental damage caused to another person, and even loss of income due to tenant-induced issues.

But that's not all! We've got a helping hand ready with assistance services for household repairs, pest control, lock issues, appliance breakdowns, and even IT troubles. We also provide legal protection and 24/7 online support, making sure that you have trusted assistance at your fingertips whenever you need it.

Just remember, our Rental Insurance works hand in hand with your home and property insurance, complementing them to weave a comprehensive safety blanket around your property.

Absolutely! One of the fantastic features of our Rental Insurance for Landlords is that it is indeed offered completely free of charge!

All reservations made via Flatio that don't require a deposit are automatically covered by our free rental insurance. Only those reservations that require a deposit can’t be insured, given the deposit itself acts as a form of protection.

Rental Insurance is available in all countries worldwide.

Flatio's Rental Insurance for Landlords 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.

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.

Flatio’s Rental Insurance for Landlords excludes certain circumstances from coverage. Some of the specific exclusions are:

• Damages that were foreseeable or known at the time the insurance was taken out: These are damages that could have been reasonably predicted or were already known when the Rental Insurance was activated. An example of this could be an existing leak in the roof that wasn't repaired, which subsequently leads to water damage in the property.
• Damage caused by gradual or long-term processes: These are damages that occur over an extended period of time and are typically not sudden or accidental. A classic example of this is the growth of mold, which can happen due to persistent dampness or humidity over a period of months or years.
• Wear and Tear: Damages caused by normal use or wear and tear.
• Damage in Common Areas: Damages that occur in common areas of apartment buildings and multi-unit properties, such as hallways, stairways, shared attics, and basements.
• Damage to Cash, Art, and Valuables: The insurance does not cover loss of or damage to cash, artwork, and other valuable items.
• Cleaning Costs: Even though cleaning in general is insurable, AXA can provide legal assistance to help you get the tenant to pay for cleaning.

Also, please note that coverage of assistance services related to household appliances have specific conditions. Specifically, they must be less than 7 years old and the minimum price at the time of purchase must be €100.

For more information and examples, see this Help Center article.

You can claim the Rental Insurance through a form in the My Rentals app that can be found in the agreement detail in section Tenants, or contact AXA Assistance directly by phone or email.

In any case, communication takes place directly between the landlord and AXA. Their support is available 24/7, and each case is resolved within a maximum of 30 days.

The reimbursements are also handled directly by AXA.

Once your claim has been fully submitted, AXA strives to provide resolution within a maximum of 30 days. If approved, the compensation will then be sent within 14 days following the case closing date. This policy is part of their commitment to quick and effective case resolution.

Please remember, this timeline might vary depending on the complexity of your case and the completeness of the information provided. That's why we recommend that you share as much information as possible when submitting your case.

Yes, even your tenants do benefit from Flatio Rental Insurance. While it's specifically designed for landlords, most of the services extend to tenants. This means if a hiccup occurs during their stay, they can deal with AXA directly, saving you the headache.

However, tenants do not have access to the legal protection aspect of the insurance, which is strictly for landlords.