Why buy tenant home insurance?

In the framework of a rental contract, a tenant, if he commits damages in the rented house or apartment during the period of his residence, is held responsible and must repair any damage that may have occurred. In order to protect himself, he must then insure his property.

Compulsory home insurance

The lessee is liable for any damage to the property, even if natural, during the lease period. To protect himself in case of damage, the tenant must sign a home insurance contract with an insurance company. In the absence of an insurance contract and in the event of a claim, it is the tenant alone who will have to assume responsibility and reimburse the landlord. However, it should also be noted that if the tenant refuses to take out home insurance, the landlord can legally refuse to rent to the tenant. This legal obligation is valid for all rented properties, except for furnished, seasonal or function rentals.

Basic insurance for "rental risks".

Rental risk" insurance covers damage caused by fire, explosion or flooding to the property itself and not to the entire building. Losses caused by neighbours would therefore not be covered. High-tech furniture and equipment in the property are not covered by this basic insurance either. To cover all the risks mentioned above, the tenant can take out additional insurance to protect the entire rental.

Mandatory diagnostics for a rental property

Each owner, in order to rent out his property, must have compulsory property diagnostics carried out: DPE, living area, ERNMT, lead, DAPP... This list of obligations depends on the year of construction of the property and its type (house or apartment). As a tenant, you can demand to see the results of the rental diagnostics when you sign the contract. However, the landlord can also call in a diagnostician before signing and present the reports during the visit to the property.
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