Who is responsible for insuring the apartment and my belongings?

We arrange the insurance relevant to the building & our responsibilities as landlord. Your personal belongings are not automatically covered by the landlord’s building insurance.

We recommend arranging contents insurance that suits your circumstances, particularly if you own valuables, electronics or furniture.

What to consider

• Cover for your personal possessions inside the apartment.
• Protection against theft, accidental damage or water damage, where available.
• Any conditions relating to bicycles, items in storage or belongings on a balcony.
• Cover for accidental damage you might cause to the landlord’s fixtures, if appropriate.
• Any excesses, exclusions & policy limits.

The landlord’s insurance typically concerns the structure & the insured fixtures or building risks, while your contents policy concerns possessions you own.

Having an apartment with supplied furniture does not automatically insure your own property. If an incident damages the building or your belongings, tell us promptly, keep photographs & contact your insurer where relevant.

See the RTB’s landlord responsibilities for the Irish position.