Tenant insurance: mandatory or not?

William

January 8, 2017

Is tenant insurance mandatory to rent an apartment in 2025?

Are you looking to rent a furnished or unfurnished apartment in France but wondering whether tenant insurance is required? Yes, it is for most tenants.

Tenant insurance covers rental risks (fire, water damage, explosion) and protects the tenant in case of an incident. Here’s what you need to know before signing your lease.

Is tenant insurance mandatory for renters?

All tenants of a primary residence must take out tenant insurance covering at least rental risks.

When should you provide proof of insurance?

The tenant must provide proof of insurance to the landlord before moving in, and then annually upon request.

What happens if a tenant is not insured?

The landlord may terminate the lease for failure to comply with the obligation;
The landlord may take out insurance on your behalf and pass the cost onto your rent.

Seasonal rentals and company-provided housing are not subject to this requirement.

Which tenant insurance should you choose?

Comprehensive tenant insurance (MRH) is the most complete option. In addition to mandatory rental risk coverage, it generally includes:

Tenant liability insurance;
Theft and damage protection;
Natural disaster coverage;
Electrical damage and glass breakage.

Some insurers, such as Assurimmo, offer plans tailored to tenants, including specific coverage for furnished or short-term rentals.

What insurance should landlords have?

Landlords can take out Non-Occupant Landlord Insurance (PNO) to cover damages when the property is vacant or for issues not covered by the tenant’s insurance. This insurance is mandatory for properties in co-owned buildings.

Who covers damages in a rental?

For an unfurnished rental: the tenant’s insurance covers damages throughout the lease.
For a furnished rental: the tenant’s insurance covers personal belongings and any improvements made.

Do not confuse this with the security deposit, which only covers potential rental repairs.

Summary: Key takeaways

Tenant insurance is mandatory for furnished and unfurnished rentals, except for certain cases;
The minimum requirement is rental risk coverage;
Comprehensive tenant insurance is recommended for broader protection;
Without insurance, the landlord can terminate the lease or take out a policy at your expense.

Before moving in, make sure you have valid proof of insurance to avoid any issues with your landlord.