Tenant liability insurance (OC najemcy), or civil liability insurance for tenants, protects you against the costs of accidental damage caused in the rented apartment or its furnishings. If you accidentally flood a neighbor, damage a door, or break the landlord's TV, the insurance will cover the repair costs or compensation. For many landlords, having tenant liability insurance is now a condition for signing a lease agreement.
How much does tenant liability insurance cost?
The premium starts from 48 zł per year, and the coverage amount can reach up to 50,000 zł. The extended variant — from 84 zł per year — adds protection against theft, power surges, fire, and flooding of your own movable property, as well as legal assistance.
How to order tenant liability insurance online — step by step
- Visit the PZU partner site through our link: https://ubestrefa.pl/oferta/Atlant.
- Select one of the four protection variants — from basic civil liability insurance to a package with legal protection and assistance.
- Enter your details — email address, insured person's data, phone number.
- Accept the required consents and proceed to payment.
- Pay for the policy — BLIK or traditional transfer. The policy is activated immediately after payment is processed.
What does tenant liability insurance cover?
- ✔ Accidental damage in the apartment — flooding a neighbor, damaging the floor, breaking the landlord's electronics or appliances.
- ✔ Movable property — your own furnishings protected against fire, flooding, theft, power surges.
- ✔ Home assistance — PZU covers the cost of calling a locksmith, plumber, or electrician.
- ✔ Legal protection — legal advice and coverage of court costs in disputes with the landlord or neighbors.
Examples where the policy works
- ✅ Flooding a neighbor — you left the tap on, and water damaged the ceiling of the neighbor below.
- ✅ Damage to furnishings — scratched induction hob, broken landlord's TV, damaged wardrobe doors.
- ✅ Structural damage — accidentally broken window or dented entrance door cladding.
- ✅ Damage caused by children, pets, or guests — the policy is assigned to the tenant, not the apartment, so it also works after moving.
Why is it worth it?
- 🔹 Financial security — a minor damage can cost several thousand złotys. A 48 zł premium protects up to 50,000 zł.
- 🔹 Better relations with the landlord — you show that you are a responsible tenant and often unlock better rental conditions (lower deposit, longer lease).
- 🔹 Contractual obligation — more and more standard rental agreements in Wrocław require an active tenant liability insurance policy.
How to report a claim?
You must report within 7 days of the event. Three ways:
- Online: https://zgloszenie.pzu.pl/
- By phone: 801 102 102 or +48 22 566 55 55
- In person at any PZU branch
Have questions?
Call or write to us — we will help you choose a variant tailored to your rental agreement and guide you through the purchase. We work with clients from Poland, Ukraine, Belarus, Spain, Germany, Italy, and Korea. The entire purchase procedure usually takes 5–10 minutes.