Are you hoping to rent a furnished or unfurnished apartment in France and wondering whether you’ll need to take out an insurance policy? The answer is YES!
In this post, the Parisian real esatate specialists Lodgis explain why you need insurance to rent an apartment, what policy to take out and whose insurer takes responsibility for damages :
Do you need insurance?
Yes. For a furnished or unfurnished rental, a tenant must take out an insurance policy to cover the potential risks. He/she must also provide a copy of their insurance certificate (attestation d’assurance) before moving into the property. Please be aware that this is an obligation designed for your person protection!
If you are an international tenant, even if if you have home insurance that covers you abroad, you must be aware that only French law will apply if damages result in litigation.
What kind of insurance do you need?
Tenants should take out a multi-risk insurance policy that offers much greater protection (theft, fire etc).
If you are looking for an insurance provider in France, we recommend using our trusted partner, French Furnished Insurance, who specialise in multi-risk home insurance policies.
Lodgis Tip: Make sure that you don’t confuse the security deposit ( le dépôt de garantie), which is used to cover utility charges (electricity, telephone, cleaning) and insurance, which only covers the cost of specific damages (e.g. broken dishwasher, broken electrical appliances caused by the tenant)
Whose insurer is responsible for a claim?
For a furnished rental, the tenant is insured for the damages caused by himself/herself and for his/her personal possessions. The level of cover depends on the policy taken out.
In terms of damage (the most common kind being water damage), the insurer of the ”Owner Non-Occupant” (PNO) is responsible for providing compensation.
For an unfurnished rental, throughout the leasehold period, the tenant’s insurer is responsible for the damages caused.