Tips for homeowners
The liability for domestic and landowners is an absolute must, because the owners of land required to enhance safety on and around the land around guarantee. A private liability insurance usually ranges from – but there are exceptions costly.
Munich – The protection is usually even then, if an accessory or single rooms in the house rented out. But another housing unit to protect endangered, as a ruling of the Appeal of Bamberg (AZ: 1 U 34/08) shows. Who owns another property, it must be separately insured, even if they were empty.
In this specific case the insured had a second house in which a pipe when neighbors caused a considerable damage. Although the house is not rented out as usual, had to the private indemnity insurance, according to the judges do not step in because the house was precisely during the vacancy not to own residential purposes.
That is according to the insurance conditions, however, a prerequisite for an injury takeover by private insurance.
The decision shows that the owner of several properties in the liability is not on their private liability insurance should leave. This applies also for multi-family houses with rented housing – even here, the only private liability insurance for the self-utilized housing access. For the rented units must, however, a separate house and property-casualty insurance to be completed.