Renter Insurance Calculator

Renter and Home Insurance Costs in Poland Explained

Home and contents insurance (ubezpieczenie mieszkania) is often overlooked by renters in Poland, but it provides valuable protection at a surprisingly low cost. For as little as 150-400 PLN per year, you can insure your personal belongings against theft, fire, flooding, and accidental damage. Given that replacing a laptop, phone, and wardrobe could easily cost 5,000-10,000 PLN, insurance is one of the smartest small investments you can make.

Polish insurance companies like PZU, Warta, and Ergo Hestia offer policies specifically designed for renters. These typically cover two categories: structural insurance (OC — odpowiedzialnosc cywilna, covering damage you cause to the landlord's property) and contents insurance (covering your personal belongings). Some landlords actually require OC insurance as a lease condition, making it worth checking your contract.

Our renter insurance calculator estimates annual and monthly costs based on the property value, coverage level, and whether you want to insure your personal contents. It compares basic coverage (fire and flood only) with standard and premium options. For tenants in older kamienica buildings where pipe bursts and heating system issues are more common, having at least standard coverage provides meaningful peace of mind.

• Check if your rental contract requires ubezpieczenie OC (liability insurance) — many Polish landlords include this as a lease condition.
• Contents insurance for renters starts from just 150-300 PLN per year — far less than replacing your electronics and clothing.
• Take photos and keep receipts for valuable items to simplify the claims process if something happens.
• Compare policies online at Rankomat.pl or Mfind.pl — these Polish comparison sites let you see quotes from all major insurers in minutes.
• Consider adding OC w zyciu prywatnym (personal liability insurance) for 30-50 PLN per year — it covers accidental damage to third-party property.