Tenant Liability Insurance in Denmark
As a tenant in Denmark, liability insurance can be crucial if you accidentally damage other people or their belongings. This guide explains what a typical tenant liability insurance policy covers, how to report damage, and what evidence you should collect. We also explain the difference between your contents insurance and the landlord's insurance, and which procedures apply for claims or disputes with a landlord. You will receive practical advice on contacting the insurer, reporting, and where to complain — for example to the Rent Tribunal[1] or via official channels in Denmark. The goal is to give you clear, reassuring guidance on handling liability issues as a tenant. Read on for step-by-step actions and useful templates.
What does tenant liability cover?
Tenant liability insurance typically covers damage you, as a tenant, cause to other people or their property — for example water damage to a neighbor or damage to furniture in a shared entrance. Coverage varies by policy, so always check terms and deductible. Your liability insurance usually covers third-party liability, while contents insurance covers your own belongings.
When does the insurance apply?
The insurance applies when you can be held liable under Danish law. Be especially aware of damage caused by negligence, overloaded installations, or misuse of appliances. If the landlord believes you must pay, report the case to your insurer as soon as possible.
Documentation you should collect
- Photos of the damage and the scene, from multiple angles.
- Written communication with the landlord or neighbor (emails or texts).
- Receipts or estimates for repairs and replacements.
- Contact details for witnesses or other affected parties.
Once you have gathered documentation, report the damage to your insurer and follow their instructions. If there is disagreement between you and the landlord about responsibility, the Rent Act may be relevant for determining liability.[2]
Frequently Asked Questions
- Does my liability insurance cover damage to the landlord's property?
- Typically, tenant liability insurance covers damages you cause, but coverage depends on your policy. Contact your insurer and present documentation for a specific assessment.
- Who pays for repairs while the case is being decided?
- Usually you report the damage to your insurer, which assesses liability and payment. A landlord may demand payment directly in some cases, but you can involve the Rent Tribunal if there is disagreement.
- How do I complain if I disagree with the landlord's claim?
- You can file a written complaint with the Rent Tribunal or seek guidance through official channels. Keep all documentation and contact your insurer early in the process.
How to proceed
- Contact your insurer immediately and report the damage.
- Gather documentation: photos, receipts, and written communication.
- Formally file the claim with the insurer and follow their case handling instructions.
- If you cannot reach an agreement, submit a written complaint to the Rent Tribunal or seek legal advice.
