What do you need to sort out for your first flat?

Many landlords require it. Make sure damage to rented property is included.

Choose a sum that matches the replacement value of your belongings, otherwise you are underinsured.

The deposit must go into a blocked account in your name. Instead of cash, insurers offer a rent deposit insurance for an annual premium.

Record existing defects in writing and with photos. That way you do not pay for damage that was already there when you move out.

With your health insurer, insurances, bank and municipality. Moving to another premium region changes your premium.

For theft away from home you need the extension in your household contents insurance.

In a dispute with the landlord, a tenants' association often helps too.