Is the tenant of a house obliged to take out home insurance?
Thanks to the subscription of a Home insurance, especially with Direct Insurance, you can benefit from coverage in the event of an accident. Available in different formulas, the packs offered on the platform compensate you in the event of fire, damage caused by water or climatic events. For more details, visit the website.
As you probably know, the tenant only occupies the property for a period stipulated in the lease agreement entered into with the landlord. He is therefore not the owner of the accommodation in which he lives. However, during the occupation of the house or apartment, the tenant is obliged take out home insurance. Indeed, the law indicates that the occupier must take out insurance that covers at least lease risks. You can extend it with additional or multi-risk home insurance.
It should be noted that home insurance for tenants remains optional for the seasonal rentals and corporate housing.
What home insurance for a tenant?
As mentioned above, the tenant is required to take out at least one home insurance that covers the property lease risks. This type of insurance covers disaster-generated damage such as water damage, fire or explosion, rental accommodation. It does not cover damage that may be caused to neighbors or personal property. This insurance compensates only the owner of the property to rent. Rental risk insurance corresponds to rental liability.
Since rental risk insurance does not cover the tenant’s property, the latter must take out multi-risk home insurance for full coverage. This complementary insurance it is flexible according to the needs of the tenant. Contains the guarantee rental risks combined with additional guarantees. In the event of an accident, multi-risk home insurance can allow you to be compensated on:
- Furniture, clothing and/or appliances;
- Precious objects;
- The embellishments made to the accommodation, especially paint, wallpaper or kitchen equipment.
Keep in mind that in multi-risk home insurance, the value of the claim can be limited. It also features basic guarantees that can be extended with optional guarantees. All details must be seen with your insurer.
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