Legal protection for savvy landlords
Protect your rental income and property with landlord legal protection from nextsure. Comprehensive protection in disputes with tenants – digital, fast, and straightforward.
Conflict Resolution
Cost Coverage
Instant Protection
Why landlord legal protection is indispensable
Protection from high legal costs
Protection in Rental Disputes
Help with Eviction Due to Own Use
Cover for Property Damage
The most common legal cases for landlords: An overview
As a landlord, you face a variety of potential legal challenges. Among the most common disputes are payment arrears for rent or service charges, where landlord legal protection insurance can cover the costs from reminder procedures to eviction lawsuits. Another hotspot is terminations, whether due to personal needs, tenant violations, or regular terminations with complex deadline regulations. Here, legal protection assists with the legally secure formulation and enforcement. Disputes over service charge statements, often contested for their accuracy, are also a frequent case. Defects in the rental property, which can lead to rent reductions or compensation claims, also require legal expertise. Conflicts regarding cosmetic repairs or the return of the deposit after the end of a tenancy are not uncommon. A solid landlord legal protection insurance offers financial security and expert support to effectively safeguard your interests as a landlord and avoid lengthy, costly disputes. The insurance typically covers legal, court, and expert costs and may also include mediation for out-of-court settlements.
Tailored Protection
Your benefits as a landlord with nextsure
Tenants' legal protection
Protection in disputes concerning rental agreements.
Cost Coverage
Including lawyer, court, and expert costs.
Eviction notice
Support in enforcing your rights.
Additional costs
Protection in billing disputes.
Compensation for damages
Assistance with tenant-damaged property.
Personal use
Legal assistance with eviction notices for personal use.
Digital-Service
Simple online management of your policy.
Consultation
Expert support from our specialists.
Quick Protection
Simple online completion in minutes.
Comprehensive protection for your real estate investments.
Rent out worry-free?
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Scope of coverage: What does good landlord legal protection insurance cover?
A powerful landlord legal protection insurance offers comprehensive coverage for a variety of legal conflicts related to your rental properties. Core services include covering the costs for lawyers, court proceedings, witness fees, and expert reports. It is important to include disputes regarding rent arrears, terminations (e.g., personal need, breach of contract), and eviction proceedings. Differences concerning service charge settlements, rent reductions due to defects, or enforcing claims for compensation in case of damage to your property should also be covered. Ensure that so-called residential and property legal protection for the rented unit is included, as this can be relevant in disputes with neighbours or authorities. Good policies often also offer telephone legal advice, even for uninsured cases, and the possibility of mediation to resolve conflicts out of court. Also check if costs for enforcement measures and any possible bail (in the context of criminal proceedings related to leasing) are covered. The insurance coverage should extend to all residential and commercial units you rent out in Germany.
Costs and Deductibles: What Do You Need to Know?
The cost of landlord legal protection insurance varies depending on the provider, the scope of coverage, and the number of rented units. Typically, the premium is calculated annually and can be reduced by opting for an excess. An excess means that in the event of a claim, you must pay a predetermined amount before the insurance takes over. Common excess levels range between 150 and 500 euros per legal protection case. Generally, a higher excess results in a lower insurance premium. It is important to weigh the relationship between the premium and excess, and adjust it to match your individual risk tolerance and financial situation. Some insurers also offer policies without an excess; however, these tend to be more expensive. When choosing a policy, do not focus solely on the price, but also compare the insured benefits and coverage limits in detail. Often additional features, such as extended criminal legal protection or claims management for rental arrears, are available for an additional charge. A thorough analysis of your needs will help you find the optimal policy with a fair price-performance ratio and avoid unnecessary costs.
Selection criteria: How to find the right plan with nextsure
The selection of the right landlord legal protection insurance is crucial for your comprehensive coverage. At nextsure, we emphasise transparency and tailor-made solutions. When making your decision, pay attention to the following criteria: Firstly, the scope of services – are all relevant risks such as rental disputes, eviction lawsuits, and conflicts over ancillary costs covered? Secondly, the amount of cover – it should be sufficiently high to cover even costly legal disputes. Thirdly, the waiting period – many insurers have a waiting period of usually three months after signing the contract before benefits can be claimed. Check if there are exceptions for certain types of services. Fourthly, the level of deductible – choose an amount that suits your financial situation. Fifthly, additional services such as telephone legal advice or mediation procedures can be valuable. At nextsure, you can easily compare different plans online and adjust the coverage to the number of units you rent out. Our digital processes enable a quick conclusion and uncomplicated management of your policy. Our team of experts is also on hand to advise you in identifying the optimal landlord legal protection for your needs.
Loss of Rent: How Does Landlord Legal Protection Offer Additional Security?
A rental default can mean significant financial losses for landlords. The landlord legal protection insurance itself does not usually cover the direct loss of rent, as it is primarily designed to cover the costs of legal disputes. However, it plays a crucial indirect role in protecting against rental defaults. If a tenant does not pay the rent, landlord legal protection supports you in enforcing your claims. This starts with the dunning procedure, moves on to the initiation of legal action, up to eviction proceedings and enforcement. The insurance covers the lawyer and court costs incurred in the process. Without this protection, you would have to bear these often high costs yourself, which would further exacerbate the financial burden of the rental default. Some insurers offer debt management as part of landlord legal protection or as an additional module, helping you to collect outstanding rents more effectively. For direct protection against rental defaults, there are special rental default insurances. However, landlord legal protection insurance is a fundamental component in cost-effectively enforcing your rights in the event of tenant payment defaults and thus indirectly minimising the risk of lengthy rental defaults.
Household goods
Your home safe
Residential building
Value received
Loss of rent
Securing revenue
Termination for Own Use: Legal Hurdles and Support
Terminating a tenancy due to personal use is a common yet legally demanding process for landlords. There must be compelling reasons, and strict formal requirements must be met to effectively execute the termination. Mistakes can render the termination invalid and lead to tenant claims for damages. A landlord legal protection insurance is a valuable support in this context. It not only assists with the correct drafting of the termination letter but also covers costs if the tenant disputes the termination and the matter goes to court. Typical challenges include proving the genuine intent to use the property, adhering to termination notice periods, and considering potential hardship reasons on the tenant's part. The legal protection covers attorney and court costs, which can quickly run into thousands in such disputes. Additionally, an included legal consultation can help prevent errors in advance and realistically assess the prospects of a termination for personal use. With the right insurance coverage, landlords can assert their legitimate interests in a termination for personal use legally and cost-effectively.
Utility bill: Points of contention and legally secure design
The annual utility bill is a common source of disagreements between landlords and tenants. Incorrect or unclear statements can lead to objections, refusals to pay, and lengthy legal disputes. A landlord legal protection insurance can provide preventive support through advisory services and, in the event of a dispute, cover costs. Typical points of contention include the apportionability of individual cost items, the accuracy of the distribution keys, compliance with billing deadlines, and the comprehensibility of the calculation. To avoid conflicts, a transparent, formally correct, and accurate utility bill is essential. This includes the precise listing of all chargeable operating costs in accordance with the Operating Costs Ordinance and the rental agreement. In the event of discrepancies or tenant objections, landlord legal protection helps to enforce your claims or ward off unjustified demands. The insurance covers any legal and court costs should a legal resolution be necessary. A professional approach and the backing of legal protection insurance minimize the risk of costly mistakes and secure your income from advance utility payments.
Comparison: Landlord Legal Protection vs. Other Legal Expenses Insurance
Landlord legal protection insurance is a specialised form of legal protection tailored precisely to the needs of owners of rented properties. Unlike a general private legal protection insurance, which covers private legal disputes of the policyholder (e.g. as an employee, buyer, road user), landlord legal protection focuses on conflicts arising from the rental relationship. This includes disputes with tenants over rent payments, terminations, utility bill statements or property damage. An occupational legal protection insurance, on the other hand, secures legal conflicts in a professional context but is usually not sufficient for renting activities. As the name suggests, traffic legal protection only covers disputes in road traffic. The crucial difference lies in the insured risk and the scope of coverage. While other legal protection insurances protect you in different areas of life, landlord legal protection insurance is essential to cover the specific legal risks associated with renting residential or commercial space. It is often available as a separate module or as an independent policy and cannot be universally replaced by other types of legal protection. Therefore, carefully check whether your existing policies cover the area of leasing and renting.
What costs does the landlord's legal protection insurance cover?
At nextsure, you benefit from a fully digitalised management of your landlord legal protection insurance. Our mission is to make bespoke insurance solutions easily accessible and comprehensible for you. The completion of your policy is conveniently done online: you can compare tariffs, customise your coverage, and sign the contract digitally. This saves time and effort. Managing your insurance documents and reporting a claim is also possible at any time and from anywhere via our user-friendly customer portal. We focus on transparent processes and swift handling of your concerns. Thanks to our SEO-optimised content, you will also find comprehensive information and guides on landlord legal protection directly on our website. Our digital tools, such as the premium calculator, help you find the right tariff quickly. Should you still have any questions, our expert service team is available via chat, email, or phone. nextsure combines the advantages of a modern Insurtech – efficiency, speed, and digital accessibility – with the expertise and reliability of an experienced insurance provider to ensure optimal protection for your rental activities.
