As a renter, you have a duty toward the owner to use the holiday apartment with care. If something is nevertheless damaged, you are liable and the owner has a right to compensation. You generally do not have to pay this compensation yourself if the damage was caused as a result of a mishap and you have personal liability insurance in place. Your private liability policy will meet the cost of compensation at current value. You should note that a deductible may apply when damage is caused by a renter, and that this will depend on the amount of any deductible specified in your policy. It is important to notify your insurer of the damage straight away, so that the appropriate further steps can be taken.