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Insurance on Apartment

Posted by blaheen-314772 - Created: 5 years ago
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4 replies (Showing replies: 1 to 4)

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Posted by ouch that hurt !-230853 - 5 years ago

Hard to beleive that if you have a mortgage, that you don't have to insure your property, but in any event, it would be foolish not to

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Posted by Garonne - 5 years ago

The propriétaire can insure his building for roof, walls, etc, but it isn't a legal requirement.

The legal requirement is for the attestation d'assurance du locataire, as I said.

 

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Posted by ouch that hurt !-230853 - 5 years ago

The tenant has to have insurance, he gets this by showing his baille, it will mention the address/M2 etc

it covers damages inside including water damage, theft, he needs to give you a copy of this

You need to insure the 'building' the walls, roof etc

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Posted by Garonne - 5 years ago

The tenant is obliged to forward a copy of his attestation of insurance "Attestation d'assurance responsabilité du locataire envers son propriétaire".  This is not to be confused with any private insurance the tenant may hold.  He is legally obliged to have this insurance as part of his tenancy agreement and being a tenant.  You say that your tenant 'has insurance cover already' but he has to take out this specific insurance for tenants to cover your property.

So far as your own insurance is concerned legally you don't need to have additional insurance, but in case of a fire due to an electricity fault you may wish to do so.

So in a nutshell, it doesn't suffice for your tenant to tell you they already have insurance. They have to take out this special tenant's insurance and send you the attestation.