What is PNO insurance - tariff?

What is PNO insurance - tariff?


Danger occurs anytime, and often, when you least expect it. For this, it is important to have insurance. In this article, we will give you very detailed information about PNO insurance.

What is Homeowner Non-Occupant insurance?
Non-occupant homeowner insurance as you would expect is insurance for homeowners who are not present in their property. Indeed, the law of March 2014 obliges all co-owners, even non-occupants, to be insured as owner.

However, if the house is not under condominium, home insurance is no longer an obligation. However, it would be better to subscribe to it in the event of a possible incident, it could cover the costs of the damage caused by the incident.

It should be noted that there is a difference between PNO home insurance and second home insurance. Avoid confusing these two insurances.

In the case of PNO home insurance, the home is for a tenant who insures himself in the event of a possible incident.
You therefore understand that it is up to the owner to approve PNO home insurance. Non-occupant homeowner insurance covers several real estate assets such as: buildings, rental garages, apartments and houses.

Non-Occupant Owner's Insurance (PNO) coverage
PNO insurance allows you to prevent the costs associated with a possible loss that could occur in your property.

This could be damage caused by your property to your tenant or to their material property.

As an owner, by subscribing to PNO insurance you will be protected from compensation in the event of an incident, the insurance without changing for you.
Here are the different cases where PNO insurance comes into play:

To complete your tenants' home insurance if a risk has not been taken into account by their insurance.
To benefit from a guarantee of rents not paid by tenants
For rental vacations.
To complete condominium insurance.
In the event that your tenant doesn't have a tenant's home insurance policy, which they normally should have.