Owner's insurance of housing

Verified 29 April 2024 - Directorate for Legal and Administrative Information (Prime Minister)

You bought a property and you wonder what insurance is required? The situation varies depending on whether the unit is co-owned or not. We present the applicable rules.

Co-ownership

If you own a unit that is part of a condominium, you must obligatory subscribe insurance civil liability.

This insurance is used to repair damage that an element of your home could cause to the condominium or to third parties. For example, if a bad electrical installation causes a fire in your home and the fire spreads to the landing and a nearby apartment.

In addition, if you rent your accommodation, you have an obligation to watch that your tenant subscribes to a rental risk insurance.

This insurance is used to repair any damage your tenant may cause to the home. For example, if the tenant's washing machine leaks and the water damages the carpet or the floor.

Individual accommodation

If you own a home that is not part of a condominium, your insurance obligations vary depending on whether you live in the home or rent it out.

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You are the owner occupant

If you occupy your own home that is not part of a condominium, you don't have to to take out home insurance.

However, you will have to compensate third parties for any damage caused to them by a disaster originating in your home (fire or water damage) or an element of your property (tree or wall fall for example).

To protect yourself against this risk, you can take out insurance civil liability.

In the event of a disaster, this insurance will compensate the victims in your place. For example, if one of your trees falls into the next house and causes damage.

You are a non-occupant owner (lessor)

If you rent a home that is not part of a condominium, you don't have to to take out home insurance.

However, you will have to compensate third parties for any damage caused to them by a disaster originating in your home (fire or water damage) or an element of your property (tree or wall fall for example).

To protect yourself against this risk, you can take out insurance civil liability.

In the event of a disaster, this insurance will compensate the victims in your place. For example, if one of your trees falls in the next house and causes damage.

You have an obligation ensure that your tenant subscribes to a rental risk insurance.

This insurance is used to repair damage to the dwelling that is the responsibility of your tenant. For example, if the tenant's washing machine leaks and the water damages the carpet or the floor.

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