House insurance

Secure your home

Home insurance: what does the law say?

TENANT: AN OBLIGATION

For any tenant, the law n° 89-462 of July 6, 1989 specifies that he is obliged to insure himself against the risks for which he is responsible as a tenant. Home insurance is therefore a prerequisite for access to housing and the landlord may request an annual certificate of home insurance. This insurance guarantees that the landlord will be compensated in the event of a claim.

OWNER: A STRONG RECOMMENDATION

The law, unlike tenants, does not require owners to take out home insurance. On the other hand, civil liability insurance, which covers material or physical damage caused to others, is essential. Multi-risk home insurance will cover the dwelling and the material goods of the occupants of the dwelling in case of fire, water damage, offences, and other types of damage.