Tenant Insurance and Landlords in Austria
Many tenants in Austria wonder whether their household insurance covers damage in the rented apartment and which duties exist between tenant and landlord. This article explains in clear language what is typically insured — such as fire damage, water damage from pipes, or theft of personal belongings — and when the landlord is involved. You will learn how liability and deductibles work, what role the landlord's building insurance can play, and which steps tenants should take immediately after a loss. I also list common exceptions, like damage caused by gross negligence, and explain when a landlord's insurance may be affected. At the end you will find links to official sources and practical steps for reporting a claim.
What does household insurance cover?
In general, a private household insurance policy covers personal belongings and certain liability risks. Exact benefits depend on the contract; insurers usually separate contents and liability components. Legal framework for tenancy is governed by the Mietrechtsgesetz (MRG).[1]
- Fire and smoke damage
- Water damage from pipes (burst pipe)
- Theft and burglary of personal belongings
- Storm or surge damage
- Personal liability for injuries or damage to third parties
Keep all receipts and photos of damaged items stored safely.
Who is liable — tenant or landlord?
Liability depends on cause and responsibility. If the tenant's conduct causes the damage, usually the tenant's household or liability insurance applies. If structural defects or lack of maintenance are the cause, the landlord may be liable. In disputes, district courts have jurisdiction.[2]
- Tenant duties: report damage, document losses, and carry out minor maintenance
- Landlord duties: remedy defects and ensure habitability
- Insurance coordination: determine whether tenant or landlord policy covers the loss
Respond promptly to damage reports and respect required deadlines.
Practical steps after a loss
Act calmly, document everything and inform your insurer and, if applicable, the landlord. A structured approach improves the chance of a successful claim settlement.
Key points
- Secure the site and prevent further damage
- Take photos and prepare an inventory
- Report the claim to your insurer in writing and by phone and note the claim number.[3]
- Inform the landlord and allow access for repairs if needed
Thorough documentation increases the likelihood of full settlement by the insurer.
FAQ
- Does the landlord have to have household insurance?
- No, the landlord is not obliged to insure your personal belongings; however, the landlord may have building insurance that covers structural damage.
- Does tenant insurance cover water damage caused by neighbors?
- It depends on the cause and the policy: if a neighbor's pipe bursts, their liability insurance or your own household insurance may cover the loss.
- What if the landlord denies responsibility?
- Document the damage, report it to your insurer, and seek legal advice; many liability questions are resolved in court.
How-To
- Photograph damaged areas and affected items immediately.
- Create an inventory with values and receipts if available.
- Report the claim to your household insurer in writing and by phone and record the claim number.
- Inform the landlord and provide the opportunity for remediation.
- If necessary, obtain legal assistance and use the competent courts for disputes.
Help and Support
- RIS - Legal Information System of the Republic of Austria
- Justiz: Court and procedure information
- JustizOnline: Forms and e-Services
