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Why take out home insurance ?
Home insurance is essential to cover you from the vagaries of everyday life. It allows you to be compensated by your insurance company in the event of a claim in your home.
Is home insurance compulsory ?
In the event that you are a tenant, be aware that home insurance is compulsory, except in the case of a furnished or seasonal rental, or of company accommodation made available as part of your professional activity.
On the other hand , if you are an owner, two very distinct scenarios determine the type of home insurance you need or not:
- In the first case, you are the occupying or non-occupant owner of a dwelling in a condominium home insurance for civil liability is compulsory, at least to cover the damage you could cause to others.
- In the second case, you are the owner of a detached house, and the home insurance is then not obligatory. Despite everything, we will always advise our customers to subscribe to it to protect themselves and others.
Discover the list of guarantees of your Trusti home insurance for which you are covered.
Note that you can customize your guarantees according to your own needs.
Free your mind from the worries of buying home insurance.
Smoke and fire
Storms and natural disasters
Criminal Expenses and Appeals
Technological Disasters and Terrorism
Most people simply can’t afford to rebuild their home and replace everything in it if there’s a desasters. A home insurance policy con protect your property, some of your personal possessions, you your family.
Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a home insurance quote online to start protection your home, belongings and peace of mind.
This insurance contract mainly covers :
- Damage to property : buildings belonging to the insured and their contents (furniture and objects);
- Civil liability for private life under which the insurer takes the place of the party liable to indemnify the victim;
- The civil liability of the insured as owner of the dwelling (if he is liable for damage caused to tenants or third parties as a result of his dwelling) or as tenant (if he is liable for damage caused to property rented to it or damage caused to third parties).
In addition, the multi-risk home contract generally includes legal protection insurance and assistance guarantees.
The law obliges the tenant to take out insurance. This is why multi-risk home contracts include a guarantee called “rental risks” (damage caused to the owner). The insurer will pay the owner, instead of the tenant, the amount of damage for which the latter is responsible.
If the tenant is not insured but responsible, he will be required to personally compensate the victims.
The landlord may require the tenant to provide him with a certificate of insurance when the keys are handed over, then each year. He also has the right to include in his rental contract a termination clause for lack of insurance.
On the other hand, he must let the tenant choose his insurer.
If the tenant does not give him a certificate of insurance, the owner can also take out an insurance contract in his place and turn against him.
It is mandatory for the occupying co-owner
The co-owner must take out personal insurance to guarantee his liability :
- towards neighbors and third parties;
- to the co-ownership (but if the group insurance for the building includes a waiver of recourse clause, no compensation will be claimed);
- towards potential tenants.
It is mandatory for the non-occupant co-owner
The non-occupant co-owner must insure against the risks for which his liability towards his tenants is likely to be sought, i.e. in the event of a construction defect, lack of maintenance or disturbance of enjoyment. These are tenant recourse and disturbance of enjoyment guarantees.
It is not mandatory for the occupying or non-occupying owner whose accommodation is not in co-ownership.
Nothing in the texts obliges the owner to take out home insurance. But in reality, it is obviously more prudent to subscribe to one. In fact, in the event of a claim for which the owner is responsible, all damage caused to others (in particular to neighbours) would be entirely at his expense.It is mandatory for the tenant
Anyone can unintentionally cause harm to others. Civil liability, as defined by law, implies the obligation to repair the damage caused. It has no limit: some must pay all their lives for the consequences of their actions. Indeed, the amount to be paid is not linked to the seriousness of the fault or the recklessness committed, but depends on the extent of the damage.
With the civil liability guarantee of the multi-risk home insurance contract, the insurer replaces the person responsible to compensate the victim.
This guarantee is always included in multi-risk home contracts.
Private life civil liability insurance excludes, in principle, any professional and/or remunerated activity, but also any representative public and union function.
Other exclusions may be provided: practice of a dangerous sport, dogs trained to attack, etc.
Most personal liability insurance guarantees cover certain contractual guarantees. This is the case, for example, of childminders, people welcoming elderly or disabled adults at home, bed and breakfasts, etc.
Activities carried out on a voluntary basis within the framework of a non-profit association are covered by private life civil liability insurance.
In most multi-risk home insurance contracts, the amount of cover is unlimited for bodily injury and limited for property damage.
In all cases, you should refer to the contract to find out the precise limits of the “private life” civil liability cover and ask your insurer to adapt the cover to your specific needs.
This category of property is generally not covered by your multi-risk home contract. However, it can be granted on an optional basis in certain multi-risk home contracts with capital limitations. You should refer to the General Conditions of your contract and contact your insurer who will adapt your cover to your specific needs.
Generally, multi-risk home insurance covers damage related to theft, fire and explosion, storm, hail, snow, water damage, vandalism, glass breakage, natural and technological disasters. You should refer to the general conditions of your contract to check the risks it covers.
Most multi-risk home insurance contracts provide that rooms such as the kitchen, toilets and bathroom are not taken into account; neither do rooms smaller than 9 square meters. On the other hand, a room with an area greater than 30 square meters generally counts as two rooms. The number of parts to be taken into account varies according to the contracts. It is therefore advisable to refer to the general conditions of your multi-risk home insurance contract or to inquire with your insurer.
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