Home insurance: what does the law say?

Tenant: an obligation

For any tenant, Law No. 89-462 of July 6, 1989 specifies that he is obliged to take out insurance against the risks for which he must respond as a tenant. Home insurance is therefore a prerequisite for access to housing and the lessor can request an annual certificate of home insurance. This insurance guarantees compensation for the owner in the event of a claim.

Owner: a strong recommendation

The law, unlike tenants, does not require landlords to purchase home insurance. On the other hand, civil liability, which covers material damage or bodily injury caused to others, is essential. Multi-risk home insurance will cover the accommodation and property of the occupants of the accommodation in the event of fires, water damage, offenses, and other types of claims.