Do you have to modify your home insurance contract if you do seasonal rental? Practical answers to your questions.
Rouen in Normandy, Nevers in Bourgogne-Franche-Comt, Plougasnou in Brittany or Arvieux in Provence-Alpes-Cte d’Azur have the particularity of being at the top of the most searched cities to spend the summer on Airbnb. for their holidays, the French prefer above all to rent (60%) whether between individuals (31%) or via an organization specializing in the rental of accommodation (29%). If you are one of the followers of this type of vacation, are you well insured? MoneyVox takes stock.
Is insuring a seasonal rental compulsory?
For the owner, the answer is no because the multi-risk home insurance contract is not compulsory in France, unlike car insurance, for example. Yet he is strongly recommended to protect yourself. You can even opt for a contract adapted to your rental practices.
C temporary tenant, there is no obligation to be insured although the owner may ask you for a certificate of insurance as a condition for the validation of your reservation. It can be a proof of civil liability or of one dedicated insurance. The comparator Le Lynx explains that if the tenant and the owner do not have insurance guarantees for the holiday accommodation, it is possible to take out temporary insurance which will cover them only for the duration of the stay.
There is also the resort insurance guarantee. The latter is a clause or an option in your multi-risk home contract which covers holiday rentals or stays of less than three months.
Resort civil liability insurance covers damage that is most often caused by you, your family members, your pets and possibly a babysitter, housekeeper or au pair.
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To activate it, you must provide certain information to your insurer: rental address, dates of stay, characteristics of the accommodation to assess the risks.
In case of rental abroad, it is advisable to consult your insurance company. The price of the insurance differs according to the level of cover and the current contract with its insurer.
Airbnb, Gtes de France: what insurance?
Airbnb offers the AirCover system which includes civil liability and a damage guarantee of up to 1 million dollars (942,250 euros as of June 27) if the rental accommodation is damaged by a traveler during a stay booked on Airbnb. This program does not replace classic home insurance, which is still recommended. Tenant side, protection and insurance within the accommodation is included in the price paid when booking.
For its part, Gites de France demands civil liability from its renters in the event of fire, water damage or neighborhood problems.
What to do in case of disaster?
In the event of an accident, fire or water damage during his stay, the tenant must notify the owner of the property and his insurer as soon as possible by registered letter.
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