There is nothing like going on vacation with a free spirit. Have you thought about securing the house with the pool you booked this summer? Have you considered modifying your multi-risk home contract before renting your home? MoneyVox explains everything for you.
Summer vacation is fast approaching. For their vacation, French above all prefer to rent (60%) either between individuals (31%) or through an organization specializing in renting accommodation (29%) such as Airbnb or Gtes de France, according to a February 2022 Harris Interactive study. Pack your bag, one last question: Are you well-insured for a stress-free vacation? MoneyVox collects securities.
Is seasonal rental insurance mandatory?
to me herThe answer is no because a multi-risk home insurance contract is not mandatory in France, unlike, for example, car insurance. Yet he is It is highly recommended to protect yourself. You can even choose a contract that matches your rental practices.
C – a temporary tenant. There is no obligation to insure although the owner may ask you for a certificate of insurance as a condition to validate your reservation. can be a file proof of civil liability or from one Custom insurance. Comparative Low Links explains that if the tenant and landlord do not have insurance guarantees for accommodation while on vacation, it is possible to obtain temporary insurance that will cover them only for the duration of the stay.
There is also a resort insurance guarantee. The latter is a clause or option of your multi-risk home contract that specifically covers vacation rentals or accommodations for less than three months.
Resort liability insurance covers damage often caused by:
- you all;
- your family members, especially your children if you live under the same roof;
- your pets;
- Maybe a babysitter, a housekeeper, or a couple of babysitters.
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To activate it, you must provide certain information to your insurance company:
- rental address
- residency dates;
- Housing characteristics for risk assessment.
In the case of renting abroad, it is advisable to consult your insurance company. The price of insurance varies according to the level of coverage and the current contract with the insurance company.
Airbnb, Gtes de France: any insurance?
Airbnb offers AirCover System Which includes civil liability and a damages guarantee of up to $1 million (€942,250 as of June 27) in the event the rental property is damaged by a traveler during a booked stay on Airbnb. This program does not replace classic home insurance, which is still recommended. As a renter, customer protection and insurance within the property is included in the price Pay at the time of booking.
For its part, Gites de France demands civil liability from tenants in the event of fire, water damage or neighborhood problems.
What do you do in the event of a disaster?
In the event of an accident, fire or water damage during his stay, the tenant must notify the property owner and his insurance company as soon as possible by registered letter.
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