How to insure rental housing?

Insurance removable housing has ceased to be exotic. As well as the owner, lessee has the right to insure the apartment in which to temporarily reside. Today, this service provides almost every insurance company. To arrange an insurance policy, the employer must complete an application for insurance, passport or other identity document and a treaty concluded between him and the owner of the apartment. In general, this procedure is not much different from a standard home insurance. Insured and the insurer agree on a list of insurance risks and factors influencing their onset, as determined by the cost of insurance. Then issued an insurance policy and invoice for payment of insurance premiums. Once the policyholder made a premium, the insurance contract comes into force. Here we must draw attention to a number of important points. First, we should not forget that when the insured event will be the beneficiary owner of the apartment. Ie if any of the insured risk is justified, all payment will receive landlord. Another thing, when it comes to property. Its owner may be a tenant. In this case, all the insurance payment, or part of it is intended tenant. In the end, the dilemma will lease, which usually indicates a list of property to which apartment is rented out. It is known that is not always the employer and the owner fix their relationship in writing. Even in this case the housing would be to insure, but with the property may have problems. For example, it would be difficult to prove the fact of his belonging to any person. If the lease is still there, but it is not spelled out the responsibility of the tenant for damages caused to property, liability and would be the landlord. For a start value of the policy is worth noting that a rented apartment usually increases the cost of insurance. However, the issue price also depends on other factors. For example, the important is that once again the policyholder enters into a contract of insurance, whether it is a regular customer of the insurer, as often happened with insurance claims, etc. Experts note, as a rule, the policy cost ranges from 0,25% of the value of the apartment and from 0,4% for property in the apartment. With regard to civil liability insurer for damages caused to third parties, then the average of its value ranges from 1 to 2% of the selected limit. In conclusion, it is worth recalling that when the insured event must act decisively. The first thing to tell about what happened in the operational service, and then notify the insurance company. The latter, in turn, be asked for some documents and only after careful consideration, will make the final decision.