Lost Keys: Tenants in Germany – Templates
As a tenant in Germany, a lost key can quickly cause stress. This guide explains clearly and practically which steps help now: inform the landlord, assess risks to security and privacy, contact the police and insurers, and clarify possible costs for lock replacement or spare keys. I describe when liability or household insurance may pay and which receipts are important. You will find templates for written notifications, a checklist for immediate measures, and tips on how to use your tenant rights under the German Civil Code. The language is simple and aimed at tenants without legal background so you can act quickly and minimize costs. At the end you will also find information on contacting authorities and sample letters.
What to do first?
Act promptly: notify your landlord immediately and clarify whether keys are lost or just misplaced. Note the date and place of loss, possible witnesses and keep evidence.
Quick steps
- Inform the landlord within 24 hours.
- If theft is suspected, inform the police and file a report.
- Discuss lock replacement if there are security concerns.
- Check whether liability or household insurance covers costs.
- Collect photos, receipts and correspondence as evidence.
Insurance: liability and household
Whether insurance pays depends on the individual case. Liability insurance rarely covers lock replacement for negligence, and household insurance usually only covers burglary. Request a written decision from your insurer and submit receipts.
Rights and possible costs
As a tenant you have protections under tenancy law; key rules are in the German Civil Code (BGB) §§ 535–580a[1]. Procedural rules for court actions apply under the ZPO[2]. Tenancy disputes are usually heard at the local court (Amtsgericht).[3]
Who pays for the lock replacement?
- If the landlord lost the key due to their breach of duty, they may be liable.
- In case of security risk the landlord decides on replacement in coordination with the tenant.
- Document conversations in writing and keep copies.
FAQ
- Who pays if I lose my key?
- It depends on the circumstances; tenants often bear the cost unless the landlord was negligent.
- Do I have to inform the police?
- If theft or identity risk is suspected, you should file a police report.
- Which deadlines matter?
- Inform your landlord and insurer as soon as possible and observe court deadlines in disputes.
How-To
- Notify the landlord: letter or call within 24 hours.
- If stolen: inform the police and obtain a report.
- Gather evidence: photos, receipts, witness statements.
- Contact your insurer: submit a claim and document the response.
- Arrange lock replacement: record cost agreement in writing.
Key Takeaways
- Good documentation improves outcomes with insurers and courts.
- Security and privacy take priority after key loss.
