Renters insurance
Insurance for students, youth and families renting a flat or house and want to insure property and their third-party liability. First tenants insurance online – quickly and conveniently.
Renters insurance
Insurance for students, youth and families renting a flat or house and want to insure property and their third-party liability. First tenants insurance online – quickly and conveniently.
What are the main benefits?
Tenant’s third-party liability insurance
Fire, water or glass damage causing harm to the landlord or property owned by other persons? Choose “Optimal” insurance plan and be insured.
Damage of your property
Your furniture or devices are damaged by fire or flood? Don’t worry, we will cover the losses.
Theft or vandalism
Worried about burglary? Don’t worry, be insured against thefts.
30
BTA years of experience in the field of insurance
480 €
Average moveable property insurance indemnity
877 €
Average indemnity for flooding neighbour (third-party liability)
24/7
Customer service
What is the target audience of tenants insurance?
If you rent a flat or house, tenants insurance is right for you. This insurance has been developed to help protect you and your property after the insurance events. BTA tenants insurance will be suitable for:
students and families,
tenants with children, pets, if you choose the “Optimal” insurance plan with included third-party liability insurance.
The most common insured events
Accidental event
Flat or house is flooded because of plumbing damage resulting in damage of your property.
Water leak
Flat or house is flooded because of plumbing damage resulting in damage of your property.
Fire
One of the most devastating accidents. We will help you to restore or buy lost property of equal value through the insurance.
Theft
Theft of a device, for example, from your rented home or car with visible signs of a break-in, and a law enforcement report has been drawn up.
Third-party liability
Flooded neighbours raising claims for losses against the tenant. Rented property damaged as a result of accidental fire.
Cases, when insurance is not in force
Depreciation
Property damage or loss without external impact or natural depreciation.
Pets
Smart device or couch gnawed by the four-legged friend.
Lost property
If the property is lost or left somewhere unattended.
Damage to the entrusted movable property
Damage to the movable property owned by the landlord, for example, couch, TV, table and chair.
Economic activity
If the insured person uses the rented property for economic activity.
How to apply for indemnity?
1
Complete insurance claim application at My BTA or by calling +371 26 12 12 12.
2
We will help you to understand what kind of documents should be completed required by insurance claim decision-making. As necessary, we will recommend the most appropriate partner to assess the damages.
3
We will consider your claim and let you know about the decision asap. It takes us 3-5 days as of receipt of all the requested document on average to consider an insurance claim case.
Why choose BTA tenant insurance?
Quickly and conveniently online
Choose the insurance scheme, property insurance sum, specify location of the rented flat and make an online insurance payment.
No dealing with paper contracts
No signature of paper contracts. 100% online service application and payment.
Quick disbursement of indemnities
In case of an accident, we will examine your insurance claim and notify you of the decision as soon as possible.
Frequently asked questions
Premises rented by you is your home, therefore you want them to be protected. Similarly as home insurance, tenants insurance is also a policy protecting you and your property. BTA offers 2 tenants insurance plans – “Necessary” and “Optimal”. “Optimal” insurance plan covers also your and your family’s third-party liability, which will protect you against the losses which you can cause to the owner of the rented home, neighbors or other persons.
When choosing the tenant insurance plan “Necessary”:
- 7,99 €/month including movable property insurance sum of 5 000 €;
- 11,99 €/month including movable property insurance sum of 10 000 €;
- 14,99 €/month including movable property insurance sum of 15 000 €.
When choosing the tenant insurance plan “Optimal” with included tenant’s third-party liability insurance with insurance sum or liability limit 30 000 €:
- 10,99 €/month including movable property insurance sum of 5 000 €;
- 15,99 €/month including movable property insurance sum of 10 000 €;
- 18,99 €/month including movable property insurance sum of 15 000 €.
Additional options: Both of these insurance plans may be supplemented by the risk “Assistance at home” - we will ensure lock service, rescue, clean-up works, plumber’s services, security, carpenter’s services and advice by telephone for + 0.50 €/month.
Tenants insurance service excess is €140.
Each tenants insurance plan contains certain insurance sums or possible limits representing the maximum amount to be indemnified after the insurance event. Evaluate your property and, where necessary, choose higher insurance limit of 10 000 € or 15 000 €.
Contact the BTA Customer Support Service by phone +371 26 12 12 12 or fill out the contract termination application on the website. Please note that the policy will be terminated on the 16th day after receiving the application in accordance with Private Property Insurance Terms and Conditions No. 0801.01, Clause No.18.
If the Insured Person changes the place of residence during the Insurance Period, insurance is automatically ensured also at the new place or residence, provided that it is located in the territory of the Republic of Latvia.
If a device, such as a phone, is stolen by breaking into your car or home, violently attacking you on the street, or breaking into a locked locker in a sports club, library, etc., the theft and robbery must be reported to the police. If the accident takes place outside the territory of Latvia, there must also be a police statement or report.
Complete the insurance claim My BTA or call our 24/7 customer support at +371 26 12 12 12, or report an accident by e-mail at bta@bta.lv
The validity term of the policy is indicated in the policy; however, the policy will not start earlier than the day after the conclusion of the policy.
With the tenant insurance, your movable property will be insured at your rented place of residence, as well as during a journey or business trip in the territory of the European Union.
Location of the insured object at the address specified in the insurance policy. If the Insured Person changes the place of residence during the Insurance Period, insurance is automatically ensured also at the new place or residence, provided that it is located in the territory of the Republic of Latvia.
