The Rescue Act requires all apartments to have a fire alarm. The tenant is responsible for purchasing a fire alarm and also for its functioning. There must be at least one fire alarm for each 60m². However, it’s recommended to have a fire alarm in each bedroom. For details on positioning the fire alarm, click here.
The tenant must acquire a home insurance for his/her apartment from an insurance company of his/her choice. A home insurance covers not only accidents in your own apartment but also such accidents that happen in neighbouring apartments and damage your movables. If for example another tenant causes water damage, you might not be compensated for your movables because you don’t have a home insurance. In principle, TYS insurances don’t cover damages caused to a tenant’s movables unless the damage was caused directly due to reasons dependent on TYS.
The tenant is liable for damages caused to the landlord not only intentionally but also by neglect or other carelessness. As such, liability doesn’t require intention. The tenant is responsible for damages caused by his/her guests, devices or pets, for example. A home insurance can cover the repair costs caused by a faulty dishwasher or a bike stolen from its rack, for instance, when the repair costs and the price of a new bike would be left for the tenant to pay fully when having no insurance.
Check from your own home insurance company what your insurance covers and what the terms are. TYS has a property insurance which covers damages caused to the property but not to a tenant’s movables. The excess in TYS insurances is significantly higher than in home insurances, meaning that the tenant would have to pay a much larger sum. Check also that your home insurance’s asset value is high enough – some insurance companies interpret the apartment’s inner surfaces as being owned by the tenant, which can affect the compensation paid for potential damages.