Have you been lucky enough to find the rental you were looking for? Congratulations; Now, in addition to going crazy organizing the move and other issues, you will have to negotiate the conditions of the rental contract with your landlord: whether electricity and water are included or not, whether a month or more of deposit and all that move.
Well, among the many issues that are addressed in a rental agreement, one of those that you should keep in mind is whether your landlord has home insurance, which is independent of the renter's insurance. And if so, if this is only to cover what we call the continent (that is, the structure of the house, water and electricity pipes, elements fixed to the facade ...), as is usual, or if it also includes the content (everything in the house: furniture, appliances, jewelry, computer equipment, trousseau, etc.).
In this case, it is important that you seriously value, at a minimum, hiring a renter's insurance that provides coverage for your liability against third parties, for the damages that you could cause them. For example, if one day, demonstrating your skills as a Michelin star cook, you set fire to the kitchen, and this causes damage to your neighbor's home, even if your landlord has his insurance, as you are responsible, you could face the payment of the damages caused.
On the other hand, it does not hurt that if the landlord leaves any type of property in the home (furniture, electrical appliances, power strips, etc.), these are duly reflected in the rental contract. With this, you can avoid many headaches in the future, in the event of an incident that causes harm to other people
As we said, normally the owner's insurance will only cover the structural elements of the house, giving the tenant freedom to subscribe to a tenant's insurance that covers their assets and their responsibility regarding the damages that they may cause to third parties.
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