Even if one is not owner of a house or an apartment, one always has obligations for his safety but also for others. The tenant must thus ensure his housing by respecting obligations to take under his responsibility. But there are also complements and exceptions which can exclude the insurance.
Obligations and the responsibility for the tenant
The tenant must deal well with the places since it occupies housing for at least a month and considering the damage during his hiring are under his responsibility. It is also the case for the possible accidents like disasters, but always according to the circumstances. So deteriorations arise, it must pay repairs or the replacements necessary.
To ensure itself for a housing is obligatory and is to even stipulate by the legislation what is in particular the case of the guarantee “tenant's risks”. It should be noted that it is possible that a cancellation of lease following a defect of insurance arises. It can be subscribed near an organization by multirisk contract of dwelling.
If it is not ensured, it is the tenant himself which must regulate the expenses with the owner. The financial backer has the right to require a certificate, but does not have the right to oblige the subscription for a particular insurance company.
Thus, the covers relate to especially the damage related to a fire, an explosion and of a water damage. But it should be noted that the cover relates to only the personal building and not goods except in the event of comprehensive insurance.
Complementary insurances
In addition to the basic covers, the occupant of housing can ensure himself by complementary guarantees according to the circumstances and his situation. Several covers are of it part like the insurance caused with the neighbors. That means that the damage was caused at the tenant and they are the neighbors who underwent the consequences. It is a named rental responsibility “recourse for the neighbors and thirds”.
The complementary insurances are often understood in the multirisk contract of dwelling and in this case, all the personal goods are covered. In other words, the pieces of furniture, apparatuses electric household appliances, and even the embellishments i.e. installations or paintings and others are taken into account.
It as should be noted as collocation must be taken into account while being ensured to guarantee the collective risks.
Exception for the insurance hiring
There are some circumstances where it is not useful to subscribe a contract of insurance in particular when the tenant lives in:
• a dwelling and pays a rent during one seasonal moment
• a second home
• a furnished housing
• a company flat
• a housing hearth
But it is always responsible for the damage which it caused and has of the obligations of guarantee with the financial backer. If there is a removal, a notice should obviously be made. But that relates to also the insurance. It is necessary to ask a cancellation of the contract or continuity, but always to warn of the change of housing. If cancellation took place, the insurer can refund part of the bonus during the period of inexistence of risk starting from his date of activation. |
