Your Protection in Rental Disputes
Protect yourself optimally against costly legal disputes related to housing with tenant legal protection insurance from nextsure. Discover your benefits now!
Comprehensive Protection
Quick Help
Fair conditions
Why tenant legal protection insurance is indispensable
Conflicts with Landlords
Review service charge statements
Defects in the flat
Termination of the Tenancy Agreement
Typical Disputes and How Tenant Legal Protection Insurance Helps
Tenancy agreements are one of the most common sources of legal disputes in private life. Whether it's due to an erroneous utility bill, unresolved defects in the apartment, an unjustified termination by the landlord, or the return of the rental deposit—conflicts can quickly become expensive and nerve-wracking. Nextsure's tenant legal protection insurance stands by you in such cases. In the event of disputed utility bills, it supports you in reviewing and, if necessary, disputing them. For apartment defects such as mold infestation or a defective heating system, it helps enforce your claims for defect rectification or rent reduction. If you receive a termination notice, your lawyer reviews its legality and represents you in court if necessary. Even if the landlord unjustly withholds the deposit, the insurance provides support. Nextsure ensures that you can assert your tenant rights without high cost risks by covering legal and court costs. This allows you to face disputes concerning your tenancy rights with greater peace of mind.
Your Benefits
Our tenant legal protection at a glance
Tenancy disputes
Support with conflicts with your landlord.
Additional costs
Examination and clarification of disputed service charge statements.
Defects
Legal assistance for issues in your rental apartment.
Protection against dismissal
Assistance with unjustified termination of the rental agreement.
Deposit
Support for issues with the rental deposit.
Mediation
Coverage for out-of-court dispute resolution.
Choice of Lawyer
Free choice of your specialised lawyer.
Digital Service
Simple contract management and claims reporting online.
Consultation Hotline
Legal initial consultation quickly available by phone.
Benefit from comprehensive protection and digital processing at nextsure.
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Scope of services in detail: What does tenant legal protection cover?
Comprehensive protection in tenancy law means that essential cost risks are covered. The tenant legal protection insurance from nextsure generally covers statutory fees for your solicitor, court costs, and costs for witnesses and experts appointed by the court. Should you lose the case, the other party's legal fees are also covered. An important component is often mediation, a procedure for out-of-court dispute resolution, the costs of which can also be covered to avoid lengthy court proceedings. Many policies also include a telephone legal consultation for initial information. The scope of services depends on the agreed coverage amount, which indicates up to what level costs per insurance case are covered, and any potential deductible, which represents your personal contribution in the event of a claim. Also, consider any potential waiting periods, which typically last three months before insurance coverage applies to newly arising disputes. nextsure values transparent service descriptions so that you know exactly what you can rely on.
Costs and Tariffs: Finding the Right Tenant Legal Protection Insurance
The cost of tenant legal expenses insurance varies depending on the provider and the chosen policy. The premium is mainly influenced by the amount of the cover and the agreement of an excess. A higher sum insured offers more security in complex and expensive legal disputes but tends to lead to a higher premium. Conversely, a higher excess can reduce the premium, but it means that you bear a larger share of the costs in the event of a claim. When selecting a suitable policy, you should not only pay attention to the price but also consider the price-performance ratio. Check carefully which services are included and whether they meet your individual needs. nextsure offers you transparent policies that you can easily compare online to find the optimal cover for your needs. Consider whether an annual payment method is suitable for you, as this is often associated with a discount. Tenant legal expenses insurance is a sensible investment in your financial security and peace of mind as a tenant.
Benefits of digital tenant legal protection with nextsure
As a digital insurance portal, nextsure relies on modern and customer-friendly solutions. This also applies, of course, to our tenant legal protection insurance. The greatest advantage for you: You can easily and conveniently complete your insurance online – around the clock and from anywhere. Long waiting times or cumbersome paperwork are a thing of the past. Through your personal customer portal, you have access to your contract documents at any time and can make changes directly. Reporting a claim is also done quickly and digitally with nextsure. This significantly speeds up the process, allowing you to receive the support you need more quickly. We place great importance on transparency: All information about services, costs, and conditions is clearly and understandably prepared. Should any questions arise, our expert support team is available to assist you digitally or by phone. Experience how simple and efficient insurance protection can be in the digital age – with tenant legal protection from nextsure, which combines niche expertise with the latest service.
When does the tenant legal protection insurance not pay?
A tenant legal protection insurance offers comprehensive coverage, but there are situations where there is no obligation to perform. One of the most common reasons is the so-called pre-contractual situation: if the cause of the legal dispute existed before the contract was concluded or during the waiting period (usually three months), the insurance cover does not apply. Disputes that you have intentionally caused are also excluded. Expenses that are not necessary for the appropriate legal pursuit, such as excessive lawyer fees exceeding the statutory charges (unless otherwise agreed), are usually not covered. Disputes related to the construction, purchase, planning or financing of real estate are typically not covered by tenant legal protection, but require separate insurance. Conflicts that are already covered by another insurance (e.g., liability) or mere administrative offences without any tenancy law relevance are often excluded. It is essential to know the insurance conditions of your nextsure policy in detail to have clarity in the event of a claim.
Private Liability Insurance
Basic protection for everyday damages
Contents insurance
Protection for your possessions
Cyber Protection
Security in the digital space
Cancellation of tenant legal protection insurance: What you need to know
There are various reasons to cancel a tenant legal protection insurance, whether it's changing providers or because the need no longer exists. For a regular termination, you must adhere to the contractually agreed notice period. This is usually three months before the end of the contract term. If you miss this deadline, the contract is automatically extended by another year. Termination should always be in writing, ideally via registered mail with acknowledgment of receipt, to keep proof. Additionally, there is the option of extraordinary termination. This applies, for example, if the insurer increases premiums without adjusting the services accordingly, or after the settlement of an insurance claim - here, both you and the insurer can terminate. After termination, it is important to check whether so-called notification deadlines exist, which allow you to report cases even after the end of the contract, whose cause occurred during the contract term. nextsure also makes cancellation processes transparent and customer-oriented. Get informed about your options and deadlines in a timely manner.
Tenant Legal Protection vs. Personal Liability Insurance: Key Differences
Tenant legal protection insurance and personal liability insurance (PHV) are often confused, but they serve fundamentally different purposes. Personal liability insurance protects you from third-party compensation claims if you have negligently caused personal injury, property damage, or financial loss to them. In a rental context, this can include rental property damage to the leased apartment if this coverage is included in the PHV contract. Tenant legal protection insurance, on the other hand, helps you assert your own legal interests as a tenant or defend against unjustified demands. It covers the cost of lawyers and courts if you have disputes with the landlord, for example, regarding service charge statements, apartment defects or termination. The key difference: PHV pays when you cause damage to others. Legal protection insurance helps you to uphold your own rights. Both types of insurance are important and complement each other, as they cover different risks. nextsure is happy to advise you to ensure you have the appropriate protection for your life situation.
Special Case Homeownership: Do Property Owners Also Need Tenant Legal Protection?
The term "tenant legal protection insurance" already highlights the primary target group: tenants of residential properties. The legal requirements differ for property owners. Homeowners do not need tenant legal protection, as they do not enter into a rental agreement as tenants. For them, a general residential and property legal protection is more relevant, which applies, for instance, in cases of neighbourhood disputes (not related to the tenancy, e.g., boundary disputes) or conflicts with authorities concerning the property. Landlords, on the other hand, require special landlord legal protection to safeguard their interests against their tenants. For members of a homeowners' association (HOA), there is HOA legal protection, which becomes relevant in conflicts within the community (e.g., regarding resolutions of the owners' meeting). The tenant legal protection insurance from nextsure is specifically tailored to meet the needs of individuals renting an apartment or a house. For other types of ownership, nextsure also offers suitable, specialised insurance solutions.
What exactly is tenant legal protection insurance?
The market for tenant legal protection insurance is diverse, so a careful comparison is crucial to find the right protection. Don't just focus on the price, but on the overall package. A key criterion is the scope of benefits: What specific tenancy law risks are covered? For instance, is neighbourhood law related to the rental property also included? The sum insured should be sufficiently high to cover even costly proceedings. Check the amount of the excess and how it affects the premium. Find out about the waiting periods; three months is common, but there may be variations. Valuable additional services such as telephone legal advice for an initial assessment or coverage of mediation costs can be very helpful. Carefully read the terms and conditions, particularly with regard to notice periods and exclusions. At nextsure, we place importance on transparent terms and offer you digital comparison options to make your decision easier and find the best plan for you.
