Seasonal rental insurance

What are the compulsory insurance for a seasonal rental?

For seasonal rentals (furnished tourism), there is No law making compulsory Insurance for owners. However, it is strongly recommended to have adequate insurance for several reasons.

Liability

Liability insurance is often necessary to cover the Material or body damage caused to tenants or third parties during their stay in a seasonal rental. This includes injuries caused by a fall on the property or damage caused to fire.

Damage to property

Specific home insurance for seasonal rentals can cover Material damage caused to property by tenants. This coverage can include claims, such as water damage, fires or flights, which can occur during the tenants’ stay.

Non-occupying owner insurance (PNO)

L’Non-occupying owner insurance (PNO) covers the risks linked to the rental of a furnished property without the owner being present in the accommodation. This coverage is important because it protects the owner from the damage caused by tenants, but also those who could occur on the building or to third parties.

Case of apartments or houses in condominiums

If the rented property is part of a condominium, there may be specific rules which impose insurance to cover certain risks. In addition, the co -ownership regulations may require insurance covering the owner’s civil liability, in particular if third parties can be affected by the rental activity.

Which insurance to choose for a rental property when you own?

Home insurance for the rental of your residence

If the rented property is your main or secondary residence, it is covered by a multi -risk home contract. You will imperatively need report to your insurer that you practice seasonal rental of your property. In parallel:

• Check that your civil liability is well vis-à-vis tenants, including in the event of bodily damage.
• Make sure you benefit from a guarantee “appeal of tenants against the owner”, useful in the event of a fire or water damage leading to damage to the personal goods of your tenants.

Insurance for a furnished rental

If the rented property is a good reserved for seasonal rental, you must declare your accommodation as such to your insurer who will adapt the contract to this type of rental. In particular, you will have to opt for one of the solutions presented below, which are offered to you to cover your premises during its occupation by the tenant.

The clause “abandonment of appeal” or “renunciation of appeal”

Tenant protection

Thanks to this clause, the tenant benefits from increased protection, because it will not be not held responsible for claims who occur during his rental period. This means that in the event of a fire or water damage, the insurer will not be able to request compensation from the tenant for the damage suffered.

Tenant’s responsibility for third parties

Although this clause protects the tenant with regard to the owner, she Do not cover it against damage caused to neighbors and third parties. In the event of a claim, if the tenant is responsible for the incident, he remains responsible for damage And must take charge of the repairs, either by its insurance or by its own means.

Additional guarantee price in the multi -risk home contract

The integration of this clause into the insurance contract is associated with a surprise. The cost of this additional insurance varies between 20 and 25 % the price of classic insurance. Although this increases the price of insurance, it is an interesting investment for owners wishing to avoid legal conflicts with their tenants in the event of a claim.

The insurance policy “on behalf of whom it will belong”

A guarantee for all occupants

With this clause of the home insurance contract, you have a guarantee that covers All occupants From the house or the apartment, whatever they are, and of course all the seasonal tenants who follow one another in the rented premises.

Insurance policy guarantees

This guarantee concerns All risks covered by the contract (fire, water damage, etc.), as well as the civil liability of the occupants vis-à-vis neighbors and third parties. On the other hand, the contract does not cover them in the event of damage caused directly to the furniture (breakage of objects, real estate degradations or movables, flight, etc.).

Insurance price “on behalf of whom it belongs”

The annual cost for a standard multi -risk home insurance contract varies between 150 and 500 euros for a small apartment or a house. With the clause “on behalf of whom it will belong”, the price of insurance can Increase from 20 to 25 %.

What are the insurance obligations for a seasonal rental rented via a platform (Airbnb, etc.)?

The owners who choose to rent their seasonal rental via platforms like Airbnb are often subject to specific insurance obligations.

An insurance obligation imposed by platforms

These platforms require that the hosts have adequate insurance to cover the tenants In case of accidents or material damage during their stay. For example, Booking.com and VRBO (formerly Homeaway) have similar policies that encourage or require appropriate insurance for short -term rental.

Security for owners

Having suitable insurance is not only a contractual requirement with these platforms, but also a protective measurement Essential for owners in order to prevent significant financial losses in the event of unforeseen incidents. These insurances may include coverage for:

• Civil liability;
• property damage;
• Sometimes the cancellation of booking.

Aircover for hosts, Airbnb insurance

Airbnb offers coverage ofFree and automatic insurance For hosts, called aircover. This protection is included as soon as you publish an ad and welcome travelers via Airbnb. However, this coverage does not replace suitable home insurance, as it involves major guarantee exclusions.

Furnished seasonal rental: What insurance for the tenant?

Whatever the insurance policy chosen or the additional option integrated into existing insurance, it is important to read the general conditions and the legal notices of the rental contract and to make a detailed inventory to the delivery of the keys to avoid disputes.

According to owner’s insurance

The tenant has to deal with nothing and is automatically covered if the owner has a police “on behalf of whom he will belong”. But, if the owner’s contract only includes an appeal abandonment clause, the tenant remaining responsible for damage caused to neighbors and third partieshe must check that he is well covered.

Presentation by the tenant of an insurance certificate

The owner can require a certificate before putting the keys back. This certificate must specify that the tenant is well covered as a tenant of a temporary rental and that his civil liability is provided in particular in the event of fire and water damage.

In case of voluntary damage

It is important to emphasize that, in some cases, standard home insurance will not cover the Damage intentionally caused or by serious negligence in a seasonal rental. Thus, if a tenant leaves an electrical device on unattended and this causes a fire, the insurance company can refuse to cover the costs.

Travel Cancellation Insurance

Useful guarantee too, travel cancellation insurance allows reimburse the costs incurred (like seasonal rental) if the tenant must cancel his stay before departure or before the rental period due to an unforeseen event. The legitimate cancellation reasons are as follows:

• Serious illness or accident.
• Death of a loved one.
• Serious family problems (divorce, etc.).
• Professional unforeseen events (job loss, professional obligation)
• Natural disasters (storm, flood, etc.)
• Transport strike.

What is a vacation insurance?

Civil Liability Victory: Principle

The “Vacuum Garding” or “Occasional Rental” clause is part of Multirisque home insurance. Its purpose is to cover the tenants with seasonal furnished furniture, but also stays at the hotel, and more generally any temporary place of stay (including friends or family).

Criteria to verify

It is advisable to check these points well to avoid any unpleasant surprises:

• L’territorial extent Guarantee: Is the vacation place among the destinations covered by the contract?
• The duration of the stay (the stay should generally not exceed 90 consecutive days).
• Are the guarantees and the ceiling sufficient?
• Taking care exclusions (including the stay in a guest room).

Velled insurance certificate

The owner of the rental property can ask you for a resort insurance certificate to verify that it is well covered during your stay. This document, provided by your insurerattest that you have insurance covering the risks linked to the temporary occupation of housing. The certificate specifies in particular civil liability and the vacation guarantee.

Volding insurance price

In general, vacation insurance within the framework of a home insurance contract can represent a Surprising from 10 to 20 % Compared to conventional insurance, depending on the guarantees chosen. For a short stay, the addition of the resort to an MRH contract generally costs between 30 and 60 euros per year.

Case of home insurance without “vacation guarantee”

Subscribe temporary or short -term home insurance

You must (or the occupant free of charge of a premises) take out insurance For the rental period (or occupation). You can be held responsible in the event of a claim, and your responsibility may be engaged vis-à-vis the owner for the damage suffered, but also vis-à-vis third parties.

Take stock with the owner

Before committing to the owner, evoke with him the problem of insurance. You will thus know with precision what is already guaranteed and what you have to guarantee. You will then be able to see with your insurer if your vacation warranty is exercised during the rental time or if he advises you to take out a special guarantee for seasonal rental.

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