Is your house empty this summer, does your insurance contain this essential clause?

Before going on vacation, a glance at your home insurance contract is essential. A clause often overlooked, but capital, can make all the difference in the event of a disaster: the inhabitation clause.

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This summer, you will be many to travel but with a smaller budget… Whether you stay in France or go abroad, your accommodation may remain vacant for a few days. So if you plan to take the road (or the train), have a Home insurance Suitable for your needs, that’s good. Have a inhaler In your contract, it’s better.

As the constrained expenditure comparator explains, it “must be carefulTo this specific clause. Indeed, taking a look at it would be good advice. This clause – sometimes designated as vacuum clause – Specifies the duration beyond which the absence of the tenant may result in reduced compensation, or even a total exclusion of warranty in the event of a disaster. Clearly, this is the duration during which accommodation can remain uninhabited.

Why is it important to read your inhabitation clause well?

The duration of inhabitation accepted by the insurance contracts varies generally between 30 and 90 daysconsecutive or accumulated over a year. The comparator recalls that it is essential to check with its insurer the precise conditions of this clause, because it may vary from one insurer to another.

The insurance comparator Les Furets.com draws the attention of the insured to a point of vigilance: the coverage of prolonged absences, in particular For people living alone and often traveling for professional reasons. In these situations, a standard home insurance contract can be insufficient. It is therefore recommended to opt for a tailor -madespecifically adapted to this lifestyle, in order to avoid any unpleasant surprises in the event of a disaster.

Another situation where the classic inhabitation clause does not apply: that of secondary residences. “”It becomes fairly risky to extend the guarantees of his home insurance contract covering the main housing at the second home ”, Alert the comparator. Each type of home has specific risks, and requires dedicated coverage. The comparator therefore recommends “to take out a specific contract for your second home without neglecting the reading of clauses and exclusions».