Home insurance is often a liability for renters. Even owners are no exception. There are of course some exceptions. However, this is not the case for tenants. What are their obligations with home insurance?
Home insurance: is it a liability?
According to the law of 6. July 1989 (article 7 number 82-462), home insurance is mandatory for tenants. It provides protection against rental risks (natural disasters, fire, water damage, attacks). In particular, the Act contains a guarantee for rental risks (GRL).
Sure, home insurance is optional for a home owner and a non-resident owner (PNO). This does not apply to co-ownership, unfurnished rental, furnished rental and shared housing. Articles of association with reservation for taking out home insurance.
As soon as the keys have been handed over, the home insurance certificate can be requested by your landlord. Taking out an insurance policy rental risks is required if your furnished house is your main residence. It must be a home inhabited for at least 8 months of the year.
Focus on the tenant’s obligations!
As a signatory to home insurance, the tenant has obligations to honor. Guarantee” rental risks » covers, for example, damage caused to the home during the rental period. It can be:
- Fire
- Blasting
- Water damage
- Etc.
The realization of the risk will intervene to support the owner’s compensation. Note, however, that the guarantee rental risks is limited. It does not cover damage to your neighbors and third parties. Ditto for damage to own property. You must therefore take out additional guarantees in addition to your multi-risk home insurance.
To benefit from better coverage, it is better to take ” complaints from neighbors and third parties “. Your liability will thus be covered in the event of damage caused to your neighbors or third parties (water damage, explosion, etc.).
Also prioritize the warranty on your goods. Your personal belongings and your furniture will thus be covered against the risk of theft, fire and water damage etc. Ditto for the arrangements and decorations made for your home.
When taking out a contract, you must always read the general conditions for your multi-risk home renter’s insurance. It should usually provide a guarantee public responsibility “. It covers any damage caused to others in connection with your privacy.
In the event of a claim on the home, you must immediately notify your insurance company (within 5 working days). Clearly state your contract number, the date, the nature of the loss, the damage caused and the copy of your complaint in your loss statement sent to your insurance company.