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How to insure a furnished tourism for seasonal rental?

Verified 25 mars 2020 - Directorate for Legal and Administrative Information (Prime Minister)

The insurance of a furnished tourist intended for seasonal rental is not obligatory, both for the tenant and for the owner. In practice, a rental of this type is covered either by insurance underwritten by the owner or by insurance underwritten by the tenant. It is the rental contract that specifies who must take out the insurance and for what guarantees.

Insurance underwritten by the owner

For its own account

Special resort responsibility

To cover the risks related to the rental of furnished tourism, the owner can subscribe himself the insurance special responsibility holiday. He then decides to take over the cost or insurance or to share it with the tenant.

  FYI : if the owner decides to take out the insurance himself, he must check whether his contract requires him to have a minimum occupation each year. Indeed, certain guarantees (against theft in particular) can be canceled if the furniture is unoccupied for more than 90 consecutive days.

Tenants' action against the landlord

To cover the risks related to a lack of maintenance of the building, the owner can subscribe a guarantee of recourse of the tenants against the owner. This insurance allows him to insure his civil liability if a lack of maintenance of the building causes damage to a tenant.

On behalf of the tenant

On whose behalf it will belong

The landlord can take out special guarantees for the benefit of any tenant. It is a contract said on whose behalf it will belong. In this case, the tenant will be covered not only for the damage it could cause to the owner's home, but also for the damage it could cause to third parties. Thus, the landlord does not need to check that the tenant has personal insurance.

Abandonment of appeal

The landlord may also take on behalf of any tenant more limited guarantees than those on behalf of whom he will belong. These guarantees are called withdrawal of appeal (or waiver of appeal), cover only damage caused by tenants to the owner's dwelling, excluding damage caused to persons or neighboring buildings. The civil liability of the tenant remains with respect to third parties other than the owner. The landlord may therefore require the tenant to show proof of insurance covering risks that are not covered by the abandonment of remedies.

Insurance underwritten by the tenant

The rental contract for the furnished apartment may require the tenant to have personal insurance for the duration of his stay.

Multiple dwelling

In many cases, the tenant has a clause in his multi-risk home contract called holiday guarantee.. This is usually sufficient to guarantee the rental of furnished tourism during his holidays.

  Warning : verify that your contract contains this holiday guarantee and does not include a territoriality clause that would limit, for example, insurance to renting in France, excluding insurance abroad.

Specific insurance

If your home insurance contract does not have the holiday guarantee, you can:

  • enter into a specific insurance contract with the insurer of your choice, for the period of rental of the furnished,
  • or ask your insurer to add the holiday guarantee in home insurance contract..