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Spilled wine or lost keys?

With the optional Homelike Standard or Premium packages, you are fully-insured by AXA.

100% protection.
Backed by AXA.

Together with AXA, we have developed a unique policy solution that is available exclusively to tenants and landlords at Homelike.

 

When you move into a furnished apartment for a fixed period or rent it out, your own household contents or personal liability insurance may not apply in the event of damage.

 

The insurance coverage we have developed is tailored to the concept of furnished living. That’s why we recommend all tenants to book either the Homelike Standard package or Homelike Premium package with their furnished apartment to avoid high costs in case of damage.

 

As a Homelike landlord, you automatically benefit from our landlord insurance.

Why you should add insurance cover to your furnished apartments as a

Homelike tenant

Most personal liability insurances only cover certain damages in additional clauses. AXA tenant insurance is part of the optional Homelike Standard or Premium packages. These can also be selected for each rental application.

 

The tenant insurance is automatically valid according to the online rental agreement and for a period of up to one year. This ensures that you are adequately insured for accidents that may occur during your rental period in your furnished apartment.¹

person on hammock

Case 1: A lost key

You come home from work in the evening and realize: your key is missing! You look in all your pockets and think about whether you may have forgotten it somewhere. But it’s gone. Now the locksmith must come and let you into the apartment.

 

Unfortunately, this is not enough, as all locks must be replaced if a key is lost. This can then not only be the lock to your apartment, but also all entrance doors and intermediate doors to which you have access, which can lead to very high costs that your private liability probably does not bear.

Estimated cost: €5,000

With AXA: Key damage (e.g. loss) insured up to €10,000.

Please note that you have to pay the locksmith to open the door yourself, but the expensive follow-up costs, such as changing the lock, will be covered.

Case 2: Damaged flooring

You have finally arrived in your furnished apartment and are exhausted on the couch. As you look around the apartment, you notice that your suitcase has left some scratches on the hardwood floor. You take pictures of the damage and report it to the landlord.

 

Unfortunately, it is not possible to simply replace the damaged area of hardwood flooring, as the wood naturally changes color and you can see when a new area is added. In most cases, this means the entire hardwood floor has to be replaced, which increases the costs you have to bear enormously.

Estimated cost: €7,000

With AXA: Damage caused by fault (no intent) up to €10,000 per claim or €30,000 per rental.

Case 3: Water damage

You arrive at your furnished apartment and the whole living room is underwater. It drips out of the ceiling onto your laptop, which has become unusable due to the water damage.

 

A burst pipe can occur in any apartment and must be taken care of by the landlord. However, your laptop is a personal belonging, which you bring into the apartment.

 

This means the landlord does not have to reimburse the costs incurred and the damage is only covered by a suitable household goods insurance or the Homelike Standard or Premium tenant insurance.

Estimated cost: €1,500

With AXA: Personal belongings (e.g. Laptop, cell phones) are insured up to 5,000 EUR in the event of damage caused by fire, burglary, water and storm.

¹A deductible of €250 applies and the principle of subsidiarity, i.e. insurance cover only applies if corresponding damage is not covered by your private insurance.

direct-contact-person

What happens in the event of damage?

Document the damage incurred with detailed photos and contact us. We take care of the rest for you!

Add the Standard or Premium Package directly while booking

Our Standard and Premium Packages include AXA insurance, with which you as the tenant are optimally insured in the event of damage or lost keys.

 

The majority of our business customers rely on our Standard or Premium Package to ensure their employees are properly insured for the entire rental period while offering your employees security and total comfort.

Basic

0 Monthly
  • Access to thousands of verified apartments
  • Request multiple apartments for free
  • Sign your lease online
  • Personal customer service
  • Formal invoice

Standard

59 Monthly
  • Everything in the Basic package, plus...
  • Individual offline apartment search according to your needs
  • AXA tenant insurance¹²
  • Homelike invoice organization and preparation
Popular

Premium

129 Monthly
  • Everything in the Standard package, plus...
  • Premium customer service with 24/7 availability
  • Monthly payment option through Homelike

¹The AXA tenant insurance is not included in our service packages in Switzerland.
²The insurance provider offers the following protection (with a general deductible of 250 EUR per claim): Co-insurance of the tenant‘s first loss in the event of fire, burglary, bursting water pipes and storm up to a value of 5,000 EUR. With this subsidiary private liability insurance, rental property damages with a maximum compensation of 10,000 EUR are covered; limited to 30,000 EUR per insurance year in total. A one-time key loss is insured up to 10,000 EUR. Should you have any inquiries about the insurance, please contact our service team.

 

For more information about Homelike’s insurance packages please visit our FAQs.

Protection for

Homelike landlords

As an apartment provider, you are automatically protected by our cooperation partner AXA against property damage to movable objects (fire, storm, water, burglary, vandalism after burglary) every time you rent out an apartment.¹

 

The inventory of your rental object is insured up to 10 times the monthly rental value, however at least in the amount of 7,500 euros.

 

If your apartment is no longer usable due to the damage in one of the above-mentioned insurance cases, the loss of earnings will be reimbursed.

¹A deductible of 250 € applies and the principle of subsidiarity, i.e. insurance cover only applies if corresponding damage is not covered by your private insurance.

 

For more information about Homelike’s landlord protection please visit our FAQs.

Our cooperation partner AXA

Homelike arbeitet in Kooperation mit AXA

As Germany’s leading provider of furnished apartments, we work together with AXA to ensure the necessary insurance cover for your temporary accommodation.

 

The AXA Group is one of the leading insurance and financial services groups in Germany. AXA Deutschland is part of the AXA Group, which is represented in 64 countries and serves more than 100 million customers.