Discussions with landlords: when tenants’ associations and policies can help

Even if tenants try to find an amicable solution in the event of a dispute – it is not always possible without legal proceedings. If the cases end up in court, it can be expensive. Legal protection can help.

Rent increases, termination, utility billing: the tension between tenants and landlords is great. If there is a dispute, a legal dispute cannot always be avoided. Legal protection can be useful so that the dispute does not gnaw at your savings.

Such special insurance is available for tenants around 100 euros a year (150 euros deductible), the magazine has Financial test (Issue 11/2021) found out. Alternatively, you can get legal protection by becoming a member of the local tenants’ association. According to the financial test, the annual fees there are between 80 and 120 euros.

As a rule, the tenant is insured if he wants to defend himself against a rent increase, termination or ancillary costs settlement. In addition, the providers step in if there is a dispute about cosmetic corrections or mold removal. In addition, disputes about withheld deposit or with sub-tenants can also be insured.

Difference to membership in the tenants’ association

However, there are differences between insurance through rental associations and the conclusion of a legal protection policy, writes Finanztest. With legal expenses insurance, customers have the right to choose a lawyer. Members of the tenants’ association must seek advice from association lawyers at the pre-trial stage. Compared to the legal protection policy, this often costs extra. Only when it goes to court can the lawyer be freely chosen by tenants’ associations.

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According to the financial test, tenants’ associations are often not responsible for disputes among co-tenants. Here, only disputes between the tenant and the landlord are insured.

Advantage of membership in the tenants’ association: Members can also take advantage of advice from the association’s lawyers for existing disputes. After taking out legal protection insurance, however, there is usually a waiting period of three months. If a dispute arises during this time, the insurance does not yet pay.

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