{"id":9770,"date":"2017-01-08T10:00:32","date_gmt":"2017-01-08T10:00:32","guid":{"rendered":"http:\/\/blog.lodgis.com\/en\/?p=9770"},"modified":"2025-04-03T14:41:17","modified_gmt":"2025-04-03T14:41:17","slug":"tenant-insurance-mandatory","status":"publish","type":"post","link":"https:\/\/blog.lodgis.com\/en\/tenant-insurance-mandatory\/","title":{"rendered":"Tenant insurance: mandatory or not?"},"content":{"rendered":"<p>Is tenant insurance mandatory to rent an apartment in 2025?<\/p>\n<p>Are you looking to rent a furnished or unfurnished apartment in France but wondering whether tenant insurance is required? <strong>Yes, it is for most tenants.<\/strong><\/p>\n<p>Tenant insurance covers rental risks (fire, water damage, explosion) and protects the tenant in case of an incident. Here\u2019s what you need to know before signing your lease.<\/p>\n<hr>\n<h2>Is tenant insurance mandatory for renters?<\/h2>\n<p>All tenants of a <strong>primary residence<\/strong> must take out tenant insurance covering at least rental risks.<\/p>\n<h3>When should you provide proof of insurance?<\/h3>\n<p>The tenant must provide proof of insurance to the landlord <strong>before moving in<\/strong>, and then annually upon request.<\/p>\n<h3>What happens if a tenant is not insured?<\/h3>\n<ul>\n<li>The landlord may <strong>terminate the lease<\/strong> for failure to comply with the obligation;<\/li>\n<li>The landlord may <strong>take out insurance on your behalf<\/strong> and pass the cost onto your rent.<\/li>\n<\/ul>\n<p>Seasonal rentals and company-provided housing are not subject to this requirement.<\/p>\n<hr>\n<h2>Which tenant insurance should you choose?<\/h2>\n<p><strong>Comprehensive tenant insurance (MRH)<\/strong> is the most complete option. In addition to mandatory rental risk coverage, it generally includes:<\/p>\n<ul>\n<li>Tenant liability insurance;<\/li>\n<li>Theft and damage protection;<\/li>\n<li>Natural disaster coverage;<\/li>\n<li>Electrical damage and glass breakage.<\/li>\n<\/ul>\n<p>Some insurers, such as <a href=\"https:\/\/www.assurimo.fr\/en\" target=\"_blank\" rel=\"noopener\"><strong>Assurimmo<\/strong><\/a>, offer plans tailored to tenants, including specific coverage for furnished or short-term rentals.<\/p>\n<hr>\n<h2>What insurance should landlords have?<\/h2>\n<p>Landlords can take out <strong>Non-Occupant Landlord Insurance (PNO)<\/strong> to cover damages when the property is vacant or for issues not covered by the tenant\u2019s insurance. This insurance is mandatory for properties in co-owned buildings.<\/p>\n<hr>\n<h2>Who covers damages in a rental?<\/h2>\n<ul>\n<li><strong>For an unfurnished rental<\/strong>: the tenant\u2019s insurance covers damages throughout the lease.<\/li>\n<li><strong>For a furnished rental<\/strong>: the tenant\u2019s insurance covers personal belongings and any improvements made.<\/li>\n<\/ul>\n<p>Do not confuse this with the <strong>security deposit<\/strong>, which only covers potential rental repairs.<\/p>\n<hr>\n<h2>Summary: Key takeaways<\/h2>\n<ul>\n<li><strong>Tenant insurance is mandatory<\/strong> for furnished and unfurnished rentals, except for certain cases;<\/li>\n<li>The minimum requirement is <strong>rental risk coverage<\/strong>;<\/li>\n<li><strong>Comprehensive tenant insurance<\/strong> is recommended for broader protection;<\/li>\n<li><strong>Without insurance<\/strong>, the landlord can <strong>terminate the lease<\/strong> or take out a policy at your expense.<\/li>\n<\/ul>\n<p>Before moving in, make sure you have valid proof of insurance to avoid any issues with your landlord.<\/p>\n<hr>\n<h3>Looking for an apartment to rent?<\/h3>\n<p>Lodgis helps you find a <a href=\"https:\/\/www.lodgis.com\/en\/\" target=\"_blank\" rel=\"noopener\">furnished or unfurnished rental<\/a> in France.<\/p>\n<h3>Still have questions?<\/h3>\n<p>Check out our article on <a href=\"https:\/\/blog.lodgis.com\/droits-obligations-locataire\/\" target=\"_blank\" rel=\"noopener\">tenant rights and obligations<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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\u2019s what [&hellip;]<\/p>\n","protected":false},"author":41,"featured_media":9768,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[679,681],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tenant insurance: mandatory or not? - Lodgis Blog<\/title>\n<meta name=\"description\" content=\"Is tenant insurance mandatory for renters? 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