{"id":5634,"date":"2012-04-30T15:08:35","date_gmt":"2012-04-30T15:08:35","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=5634"},"modified":"2023-08-25T05:47:24","modified_gmt":"2023-08-25T05:47:24","slug":"home-insurance-is-it-still-necessary","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/home-insurance-is-it-still-necessary\/","title":{"rendered":"Home insurance: is it still necessary?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=” Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.20.2″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2023\/08\/real-estate-6688945_1280-2.jpg” title_text=”real-estate-6688945_1280-2″ _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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Did you know that\u00a0<\/span>home insurance<\/span><\/a>\u00a0is not always\u00a0\u00a0<\/span>necessary\u00a0<\/span>\u00a0?\u00a0It all depends on your status.\u00a0<\/span>Owners, tenants and furnished tenants are not subject to the same rules.<\/span><\/span><\/p>\n

If I am a tenant<\/span><\/h2>\n

It is compulsory for the tenant of an apartment or a detached house.\u00a0The tenant is responsible vis-\u00e0-vis the owner for any damage that may\u00a0\u00a0<\/span>occur\u00a0<\/span>\u00a0to the place of residence.\u00a0He must also take out a \u201cmulti-risk home\u201d guarantee which can cover his whole family and even his animals.<\/span><\/p>\n

If I rent a furnished<\/span><\/h2>\n

This is not mandatory for a furnished apartment.\u00a0It is the owner’s responsibility to take out home insurance.<\/span><\/p>\n

If I own the accommodation where I live<\/span><\/h2>\n

The owner must take out home insurance with damage guarantees.\u00a0These guarantees cover two types of risks.\u00a0Those caused by the property, such as damage to neighbors, and those caused inside the property, such as theft.<\/span>
It is advisable to check before taking out this insurance that it does not duplicate the insurance taken out by the trustee.<\/span><\/p>\n

If I am an owner but do not live in my property<\/span><\/h2>\n

The owner must only take out the part of the home insurance covering damage caused by his property or to third parties.\u00a0He can, if he rents his property, take out insurance covering the risk of non-payment.<\/span><\/p>\n

It is not legally required in most countries, but is strongly recommended and often required by mortgage lenders.\u00a0<\/span>Although not required by law, buying home insurance is essential to protect one of your most important investments: your home.<\/span><\/span><\/p>\n

It generally provides coverage for property damage caused by perils such as fire, theft, vandalism and natural disasters.\u00a0Plus, it often includes\u00a0liability\u00a0<\/span>insurance , which protects you if someone is injured on your property and decides to take legal action.<\/span><\/a><\/p>\n

Without it, you risk facing significant financial losses in the event of damage or unforeseen accidents.\u00a0Thus, obtaining home insurance provides peace of mind and financial security to homeowners.<\/span><\/p>\n<\/div>\n

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Did you know that\u00a0home insurance\u00a0is not always\u00a0\u00a0necessary\u00a0\u00a0?\u00a0It all depends on your status.\u00a0Owners, tenants and furnished tenants are not subject to the same rules. If I am a tenant It is compulsory for the tenant of an apartment or a detached house.\u00a0The tenant is responsible vis-\u00e0-vis the owner for any damage that may\u00a0\u00a0occur\u00a0\u00a0to the place of […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[304],"tags":[],"class_list":["post-5634","post","type-post","status-publish","format-standard","hentry","category-insurance-law"],"yoast_head":"\nHome insurance: is it still necessary? - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Home insurance: is it still necessary? 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