Household Insurance for Tenants in Austria: Appeal
As a tenant in Austria, a denied household insurance claim can quickly cause uncertainty. This guide explains in simple steps how to check whether your policy applies, which documents you should collect, and how to properly file a formal appeal or complaint. We explain deadlines, possible contacts such as the insurer and landlord, and the path to court proceedings at the district court if out-of-court solutions are insufficient. The aim is to give you practical actions so you can assert your rights, avoid missing deadlines, and document evidence clearly. If necessary, we show where to find official sample forms and how to approach the process in a structured way. The information is general and does not replace legal advice, but it helps structure the process and improve your chances of success.
What to do when coverage is denied?
If your household insurance refuses to cover costs, as a tenant in Austria you should know what steps are possible. First check the policy and the reason for denial. The Mietrechtsgesetz (MRG) may be relevant and helps with questions about tenant obligations and liability.[1] Important deadlines for appeals and court actions must be observed; many cases begin at the district court.[2]
First steps
- Have the rental agreement ready
- Document damage photos and dates
- Collect payment receipts and bank statements
- Organize correspondence with insurer and landlord
How do I file an appeal or complaint?
Write a formal appeal or complaint to the insurer, state the reasons and attach evidence. If necessary, prepare a lawsuit at the district court or use out-of-court mediation. Sample forms and electronic filing are available via JustizOnline.[3]
Frequently Asked Questions
- What does household insurance cover for tenant damages?
- A household insurance policy may cover damage to personal belongings depending on the contract; liability parts can be relevant for damage to the rented apartment.
- Do I need to inform the landlord first?
- Yes, inform the landlord if the damage affects the apartment; at the same time you should notify the insurer.
- What deadlines apply for appeals?
- Deadlines are stated in your insurance contract and procedural rules; court proceedings follow the deadlines of the ZPO and local rules.
How-To
- Gather all evidence and prepare an overview of the damage.
- Draft a written appeal with reasons and attach copies.
- Submit the complaint to the insurer and send a copy to the landlord.
- If necessary, file a lawsuit at the district court or use mediation bodies.
Help and Support / Resources
- JustizOnline: forms and submissions
- RIS: Mietrechtsgesetz (MRG) and legal texts
- Justiz.gv.at: information on district courts
