Everything you need to know about comprehensive home insurance
If you are a tenant or co-tenant of an accommodation such as an apartment or a house, the lessor will systematically ask you to take out comprehensive home insurance. This is a legal obligation in order to benefit from a rental lease and a necessity in all cases. Homeowners also have every interest in opting for comprehensive and efficient insurance coverage, such as comprehensive home insurance. Why take out comprehensive home insurance? What does it consist of? What are the basic and optional guarantees of a contract? Here's everything you need to know!
What is comprehensive home insurance?
Comprehensive home insurance is an insurance contract that covers your home (apartment or detached house) or the one you occupy against damage, claims and damage of any kind that may occur in your home.
This is a "multi-guarantee" home insurance contract which gives you the possibility of protecting the accommodation that you occupy or which belongs to you as well as the furniture which is there. A comprehensive home insurance contract for primary or secondary residences also covers you if you are responsible for or the victim of a claim, that is to say to cover your civil liability.
Why take out comprehensive home insurance for your apartment or house?
The fundamental advantage of taking out a comprehensive home insurance policy is to be able to be compensated in the event of a claim. Benefiting from good coverage is essential in order to be compensated in the event of damage of any kind which can sometimes amount to several thousand euros or even more. Multi-risk home insurance is therefore totally essential to be effectively protected and compensated in the event of loss, damage and material damage but also in the event of physical damage caused to a third party.
But more than a simple necessity, taking out a comprehensive home insurance policy is in some cases simply mandatory. This is the case if you are a tenant of an apartment or a house. The law of July 6, 1989 is indeed very clear on the subject: if you are a tenant of furnished or unfurnished accommodation, you are required to take out an insurance contract which guarantees at least what is called " rental risks ".
The "rental risks" of a home insurance contract include several types of claims such as fire, water damage or even an explosion to name the most common. The list of basic guarantees included in any comprehensive home insurance contract is however much more extensive, as we will see a little later in this article.
As the tenant of a furnished or unfurnished accommodation, whether it is an apartment integrated into a group of residences or a single-family house, you are therefore obliged to take out an insurance contract. multi-risk residential property, otherwise you will simply not be able to enter the premises. The owner or the lessor will ask you to give him a home insurance certificate when signing the rental lease. Note that the fact of not being covered by a comprehensive home insurance contract is a valid reason for terminating the lease.
If for tenants, taking out a comprehensive home insurance policy is compulsory, what about owners?
Owners of real estate, whether they occupy the home or not, are not obligated to purchase one. But it remains all the same very strongly recommended, because it makes it possible to cover all or part of the costs of repairing the property following disasters and major damage as can be:
water damage caused by a leak or an overflow of household appliances, for example
a fire
lightning damage
The owners of a house or an apartment who do not take out a comprehensive home insurance contract will therefore have to fully assume the costs in the event of a claim. They therefore have every interest in having good coverage.
Is comprehensive home insurance systematically compulsory?
Whether you are a tenant, non-occupying owner or even a co-owner, you must take out a comprehensive home insurance policy:
tenants have the legal obligation to take out a home insurance contract, covering at least rental risks
the co-owners also have the obligation to take out personal insurance, in order to cover their liability towards
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