Keeping pets in a rental apartment is only allowed with the written consent of the owner.
At the same time, the pet owner must take into account the risks that come along with keeping a pet in a rental apartment, as all damage is ultimately the responsibility of the pet owner. Damage caused by a pet is not considered an accident, which means that the tenant is 100% liable (whereas in the case of an accident the tenant only pays the insurance deductible).
The landlord must first seek compensation for damage directly from the tenant. In the case of refusal, the insurance indemnifies the landlord for the damage caused, and then submits a recourse claim to the tenant.