Wynajmujesz mieszkanie studentom? Dobrze się zabezpiecz

  • Z danych Głównego Urzędu Statystycznego wynika, że pod koniec 2018 r. na polskich uczelniach kształciło się ok. 1,2 mln osób; 1 października naukę rozpoczęło ok. 300 tys. nowych studentów.
  • Choć uczelnie publiczne dysponują sporą bazą mieszkaniową, to część studentów z różnych względów zamiast akademika wybiera wynajem mieszkania.
  • Pobierana przy podpisywaniu umowy najmu kaucja często okazuje się niewystarczająca, aby pokryć szkody w mieszkaniu, warto więc zastanowić się nad dodatkową ochroną w postaci polisy ubezpieczeniowej.

Wynajem mieszkań to dla wielu Polaków pomysł na dodatkowy zarobek. Dobre warunki kredytowe i program Mieszkanie dla Młodych sprawiły, że inwestycje w nieruchomości stały się modne i opłacalne. Trend na nabywanie mieszkań pod wynajem jest szczególnie zrozumiały w dużych miastach, gdzie funkcjonują najpopularniejsze szkoły wyższe, jak Warszawa, Kraków czy Wrocław. Co roku na polskich uczelniach studiuje ponad milion osób – na koniec 2018 r. było ich 1,2 mln, część z nich nie spełnia wymogów, aby ubiegać się o miejsce w akademiku, inni po prostu wolą wynająć mieszkanie.

Kaucja nie wystarczy na pokrycie kosztów zalania

Przy podpisywaniu umowy najmu właściciel mieszkania praktycznie zawsze wymaga wpłacenia kaucji, mającej pokryć koszty ewentualnych zniszczeń. Najczęściej jest to wysokość miesięcznego odstępnego, czyli ok. 1500 zł. O ile kwota ta pozwala na naprawę urwanego zawiasu czy odmalowanie ściany, tak przy poważniejszych wypadkach, jak zalanie, może być niewystarczająca.

W takich przypadkach pomóc może natomiast polisa OC najemcy. Jej koszt to ok. 50 – 100 zł rocznie – nie jest to więc duża kwota, a pozwala na skuteczne zabezpieczenie wynajmowanego mieszkania. Umowę ubezpieczenia może zawrzeć zarówno właściciel, jak i najmujący, częściej jednak zależy na tym właśnie właścicielom mieszkań. Przy rozmowie z towarzystwem ubezpieczeniowym należy wspomnieć, że nieruchomość będzie przedmiotem najmu i zdecydować się także na polisę OC, która obejmie szkody wyrządzone przez lokatora sąsiadom – mówi Tomasz Bartczak z ANG Spółdzielni.

Na co zwrócić uwagę podczas podpisywania umowy ubezpieczeniowej?

Przy podpisywaniu umowy ubezpieczeniowej należy być przede wszystkim przygotowanym na podanie odpowiedniej sumy ubezpieczenia, odpowiadającej faktycznej wartości mieszkania. Jej zaniżenie tylko w nieznaczny sposób obniży składkę, a może skutkować wypłatą niewystarczającego na pokrycie wszelkich szkód odszkodowania. Pamiętajmy także o sprawdzeniu zakresu polisy oraz o możliwości rozszerzenia jej o OC najemcy, które zapewni pełną ochronę wynajmowanego mieszkania.

– Warto przypomnieć, że również lokator może zabezpieczyć się odpowiednią polisą. Podczas nieszczęśliwego zdarzenia zniszczeniom mogą ulec także wszelkie ruchomości domowe, jak sprzęt komputerowy czy meble. Jeżeli właściciel nie chce ubezpieczyć mieszkania, to najemca sam powinien pomyśleć o polisie OC, dzięki której będzie chroniony finansowo na wypadek zniszczenia lokalu, który wynajmuje – dodaje Tomasz Bartczak.

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