{"id":34440,"date":"2026-07-21T09:11:13","date_gmt":"2026-07-21T09:11:13","guid":{"rendered":"https:\/\/blog.lodgis.com\/?p=34440"},"modified":"2026-07-21T09:38:28","modified_gmt":"2026-07-21T09:38:28","slug":"home-insurance-furnished-rental","status":"publish","type":"post","link":"https:\/\/blog.lodgis.com\/en\/home-insurance-furnished-rental\/","title":{"rendered":"Home insurance for furnished rentals: how to choose?"},"content":{"rendered":"\n<p>You are renting \u2014 or about to rent \u2014 a furnished apartment and you are wondering what home insurance to take out? Between legal obligations, essential guarantees and a wide range of offers at very different prices, it is easy to get lost. Here is everything you need to know to choose protection that is genuinely suited to your situation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What the law requires: a legal obligation for the tenant<\/h2>\n\n\n\n<p>Article 7 of the French law of 6 July 1989 is clear on this point. It requires every tenant of a furnished rental to provide proof of insurance covering at minimum rental liability risks. Concretely, a <strong>certificate of insurance<\/strong> must be handed to the landlord on the day the keys are handed over. It must then be renewed each year on the anniversary date of the contract.<\/p>\n\n\n\n<p>Without this document, the landlord can formally request that the occupant regularise their situation. Should there be no response within one month, the landlord is then entitled to terminate the lease. They may also take out a policy on the tenant&#8217;s behalf and pass the cost on to the monthly rent.<\/p>\n\n\n\n<p>This obligation applies to the standard furnished rental (minimum one-year lease) as well as the mobility lease (1 to 10 months). In contrast, for short-term holiday rentals, the rules differ. The temporary occupant is not subject to the same legal requirement. Their civil liability, however, remains fully engaged in the event of a claim.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Not sure whether to choose a standard furnished lease, a mobility lease or a student lease? Our article <a href=\"https:\/\/blog.lodgis.com\/en\/student-lease-mobility-lease-furnished-lease\/\">Student, mobility or furnished lease: Which to Choose in 2026?<\/a> will help you see things clearly.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">The mandatory minimum coverage: rental liability<\/h2>\n\n\n\n<p>The foundation of any home insurance contract for a furnished rental tenant is <strong>rental liability coverage<\/strong> \u2014 also known as tenant&#8217;s civil liability. It is a legal obligation that covers damage caused to the landlord&#8217;s property for which the occupant is responsible, notably in the event of:<\/p>\n\n\n\n<ul>\n<li><strong>Fire<\/strong>: a forgotten candle, an electrical fault, a faulty appliance. Fire is indeed one of the most costly claims in furnished rentals.<\/li>\n\n\n\n<li><strong>Water damage<\/strong>: leaks, overflows, burst pipes.<\/li>\n\n\n\n<li><strong>Explosion<\/strong>: caused by gas or a malfunctioning appliance.<\/li>\n<\/ul>\n\n\n\n<p>Without this basic protection, the tenant would have to pay the full cost of repairs out of their own pocket. This is certainly the legal minimum \u2014 but it is rarely sufficient to cover all everyday risks.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Recommended coverage beyond the legal minimum<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Personal civil liability<\/h3>\n\n\n\n<p>This guarantee is distinct from rental civil liability. It protects the policyholder against damage caused unintentionally to third parties. For example: water damage spreading to a neighbour below, an object falling from the balcony, or an accident involving a visitor. It is included in the vast majority of offers on the market. Nevertheless, check the compensation limits before signing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protection of personal belongings<\/h3>\n\n\n\n<p>A furnished apartment comes with a basic set of furniture and equipment provided by the landlord. However, the occupant brings their own possessions: clothing, computer equipment, electronic devices, personal items. The <strong>theft<\/strong> guarantee and content damage coverage ensure compensation if these belongings are stolen or destroyed during a claim. In contrast, the furniture and equipment belonging to the landlord do not fall under the tenant&#8217;s policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Useful additional options<\/h3>\n\n\n\n<p>Depending on your profile and budget, other guarantees may also prove valuable:<\/p>\n\n\n\n<ul>\n<li><strong>Legal protection<\/strong>: covers costs in the event of a dispute with the landlord or a neighbour.<\/li>\n\n\n\n<li><strong>Assistance<\/strong>: a locksmith, plumber, or emergency temporary accommodation arranged at any time of day.<\/li>\n\n\n\n<li><strong>Natural and technological disasters<\/strong>: flooding, storms, earthquakes. This coverage is legally mandatory in any home insurance contract, but its scope varies between policies.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Furnished vs unfurnished rental: what changes in practice<\/h2>\n\n\n\n<p>The nature of the property \u2014 furnished or unfurnished \u2014 directly affects the insurance contract and the amount of the premium.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Criterion<\/th><th>Unfurnished rental<\/th><th>Furnished rental<\/th><\/tr><\/thead><tbody><tr><td>Furniture to declare<\/td><td>All contents brought by the tenant<\/td><td>Personal belongings only<\/td><\/tr><tr><td>Insured value<\/td><td>Often higher<\/td><td>Generally lower<\/td><\/tr><tr><td>Minimum lease duration<\/td><td>3 years<\/td><td>1 year (9 months for students)<\/td><\/tr><tr><td>Mandatory insurance certificate<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>In practice, renting an already-equipped property reduces the value of the furniture to declare. Thus, it is often possible to opt for a policy at a lower premium. However, underestimating the value of your personal belongings could result in insufficient compensation in the event of a claim. Therefore, make a realistic inventory before choosing your coverage limits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">The landlord&#8217;s role: non-occupant landlord insurance (PNO)<\/h2>\n\n\n\n<p>The tenant&#8217;s insurance does not cover everything. That is why any landlord renting out their property has every interest in taking out <strong>non-occupant landlord insurance<\/strong>, known in France as assurance PNO (Propri\u00e9taire Non Occupant). It is mandatory for properties within a co-owned building (copropri\u00e9t\u00e9) since the ALUR law of 2014, and strongly recommended for any standalone house that is rented out.<\/p>\n\n\n\n<p>This insurance specifically designed for landlords covers in particular:<\/p>\n\n\n\n<ul>\n<li>Damage suffered by the property during a vacant period between tenancies.<\/li>\n\n\n\n<li>Claims occurring when the occupant is absent or insufficiently insured.<\/li>\n\n\n\n<li>The furniture and equipment provided with the furnished rental.<\/li>\n\n\n\n<li>The landlord&#8217;s civil liability in cases of construction defects or failure to maintain the property.<\/li>\n<\/ul>\n\n\n\n<p>The annual price of non-occupant landlord insurance generally ranges from \u20ac100 to \u20ac300. Moreover, it is deductible from taxable rental income \u2014 a significant advantage for the landlord.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Looking to rent out your furnished property and want to understand your insurance obligations? Our article on <a href=\"https:\/\/blog.lodgis.com\/en\/tenant-insurance-mandatory\/\">tenant insurance in France<\/a> gives you a complete overview of the rules for both tenants and landlords.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Covered claims and common exclusions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Two concrete situations<\/h3>\n\n\n\n<p><strong>Water damage between neighbours<\/strong> \u2014 Marie leaves her furnished apartment for the weekend and forgets to turn off a tap. The water overflows and causes damage to the occupant below. Her personal civil liability thus covers the repairs at the neighbour&#8217;s home. Furthermore, her rental liability guarantee takes care of the damage in her own apartment.<\/p>\n\n\n\n<p><strong>Theft by break-in<\/strong> \u2014 Claire returns from holiday to find a burglary has taken place: her laptop, tablet and jewellery have gone. Thanks to her theft guarantee, she receives compensation for replacing her personal belongings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Exclusions to be aware of<\/h3>\n\n\n\n<p>Certain situations are systematically excluded from home insurance policies:<\/p>\n\n\n\n<ul>\n<li>Intentional damage: no insurer covers claims caused deliberately.<\/li>\n\n\n\n<li>Wear and tear: a depreciation deduction is often applied to older items.<\/li>\n\n\n\n<li>Undeclared valuables: jewellery, collections and works of art require a specific rider.<\/li>\n\n\n\n<li>Professional use of the property not declared to the insurer.<\/li>\n\n\n\n<li>Subletting or short-term rental not reported to the insurer: some policies explicitly exclude this type of use.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How to choose the right insurance plan?<\/h2>\n\n\n\n<p>Insurers generally offer three levels of coverage. Each corresponds to a different profile:<\/p>\n\n\n\n<ul>\n<li><strong>Basic plan<\/strong>: rental liability + civil liability. Suitable for a temporary stay or a short-term mobility lease.<\/li>\n\n\n\n<li><strong>Intermediate plan<\/strong>: adds theft cover, content damage and glass breakage. Recommended for a primary residence in a furnished rental.<\/li>\n\n\n\n<li><strong>Comprehensive plan<\/strong>: also includes legal protection, round-the-clock assistance and coverage for portable devices.<\/li>\n<\/ul>\n\n\n\n<p>In terms of <strong>price and premium<\/strong>, expect to pay between \u20ac8 and \u20ac25 per month depending on the size of the property, the city (Paris, Lyon, Bordeaux, Toulouse\u2026) and the guarantees selected. Furthermore, a higher excess reduces the monthly premium but increases your out-of-pocket costs when a claim occurs.<\/p>\n\n\n\n<p>Before signing your policy, compare compensation limits and the exclusions specific to each offer. Finally, do not wait until you receive the keys to subscribe: the insurance certificate can be obtained within a few minutes online.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Moving into a furnished apartment with housemates? Insurance rules vary depending on the structure of the lease. For more advice tailored to your situation, explore our full range of <a href=\"https:\/\/blog.lodgis.com\/en\/living-essentials\/tips-for-tenants\/\">tips for tenants<\/a>.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Short-term holiday rentals: specific coverage to plan for<\/h2>\n\n\n\n<p>For short tourist stays, the standard home insurance contract does not apply. Indeed, without a primary residence lease, the standard guarantees do not kick in. The temporary occupant nonetheless remains civilly liable for any damage caused to the property or neighbours. This is a risk not to be overlooked, especially in high-turnover holiday rentals.<\/p>\n\n\n\n<p>On the landlord&#8217;s side, standard non-occupant landlord insurance may prove insufficient to cover tourism-related risks. Dedicated offers exist, sometimes proposed directly by booking platforms. Their premiums and coverage levels vary considerably: compare carefully before subscribing, and make sure to inform your insurer of your rental activity.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Are you a landlord in a co-owned building wondering about the rules around short-term rentals? Our section dedicated to <a href=\"https:\/\/blog.lodgis.com\/en\/living-essentials\/owner\/\">tips for owners<\/a> covers the key points you need to know.<\/p>\n<\/blockquote>\n\n\n\n<p>For further information on your rights and obligations as a tenant or landlord in France, the dedicated page on <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F1346\">service-public.fr<\/a> is a reliable and up-to-date reference.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Lodgis offers more than 10,000 furnished rentals across France. <a href=\"https:\/\/www.lodgis.com\/en\/\">Browse our listings.<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You are renting \u2014 or about to rent \u2014 a furnished apartment and you are wondering what home insurance to take out? Between legal obligations, essential guarantees and a wide range of offers at very different prices, it is easy to get lost. Here is everything you need to know to choose protection that is [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":34437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[679,666,681],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home insurance for furnished rentals: how to choose? - Lodgis Blog<\/title>\n<meta name=\"description\" content=\"Home insurance for furnished rentals in France: mandatory guarantees and tips to choose the right plan at the best price.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.lodgis.com\/en\/home-insurance-furnished-rental\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home insurance for furnished rentals: how to choose? 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