Home insurance covers both the tenant and the owner in the event of a loss. Each tenant is obliged to insure his dwelling and to send a certificate of home insurance to his landlord, and this, each year. Regarding homeowners, there are several types of home insurance that complement that of its tenants.
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Who pays for home insurance?
Under the legal framework, it is the occupant of the dwelling who must pay for the home insurance. An obligation governed by Article 7 of Law 89-462 on rental relations. It reports that any tenant of a dwelling is obliged to insure himself and provide proof each year by sending his certificate of home insurance to the lessor.
If the tenant refuses or is unable to present proof of insurance, the owner is then entitled to send him a formal notice. He has a period of 1 month to present proof of his home insurance, otherwise the owner is entitled to go to court and terminate the lease.
Good to know: the Alur law (March 2014) strengthened the rights of landlords. Indeed, it allows them to take out home insurance on behalf of their tenant. Following a formal notice, the tenant still does not present a home insurance contract? So, you can take out a contract for him without leaving him the choice of insurance company!
What home insurance for the owner?
Even if the tenant is obliged to insure the dwelling, the owner can also subscribe to a home insurance policy. This approach is not mandatory, but strongly recommended if you want to benefit from optimal coverage.
There are 2 insurance contracts specially adapted to the lessor:
Important: If a landlord is not obliged to subscribe to a home insurance policy, he must nevertheless contract a Civil Liability. A mandatory guarantee for the owner and the tenant.
>>Service: compare home insurance policies for free
What does tenant's home insurance cover?
A tenant must therefore subscribe to a home insurance contract. As with a principal residence as an owner, he has the choice between a traditional home insurance contract and a comprehensive home insurance contract. His only obligation is to take out an insurance policy that covers:
- Civil liability
- Fires and explosions
- Water damage
Then, the tenant is free to complete his housing contract to enjoy good protection against:
- Theft, vandalism, burglary
- Electrical damage
- Legal protection
- Relocation guarantee
- Glass breakage
- Assistance
- Etc.
Our advice: Define your real housing needs in advance and estimate the value of your personal property. This will allow you to adjust your home insurance contract with guarantees that perfectly match your situation. Compare the different offers on the market with our online comparator to find comprehensive tenant home insurance at the right price. There are contracts for tenants accessible at less than 3 euros per month.
