13. French Property Insurance

1. 13.1. Landlord
2. 13.2. Tenant

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13.2. Tenant

There is a similar obligation on the tenant of an unfurnished tenancy to take out insurance against the risk of fire, explosion, and infiltration of water etc for which they may be responsible.

The minimum insurance required by a tenant is for risques locatifs, but a more prudent policy would be for multi-risques d’habitation, which would include damage or theft to personal belongings.

The tenant is required to supply the landlord with a copy of the insurance certificate each year.

There is no obligation on a tenant of a furnished tenancy to take out insurance, in which case it is clearly imperative that the landlord has comprehensive cover, or insist the tenant takes out insurance as part of the letting terms.

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