It is a travel and holiday package that allows you to exchange your home with that of a third person residing abroad, for a limited period of time decided together. The exchange is usually for houses or apartments.

You can make the exchange even if you are a tenant, but in this case you will have to inform your landlord of the exchange.

During the exchange, damage may be done to the dwellings by you or the person with whom you made the exchange. In addition, this damage can also cause damage to common areas of the building or to nearby dwellings. For example, water damage is triggered in the housing that is the subject of the exchange.

Such damage may be covered by home insurance of the dwellings exchanged, or by insurance civil liability owners.

To prevent the compensation of these damages from giving rise to disputes, you must check before the rental whether the 2 dwellings are insured for the exchange. We also have to check whether the civil liability of the people who make the exchange is properly covered.

Finally, you should read the conditions of compensation by the insurance to avoid any surprises.

First, you have to check whether the housing exchange is provided for in your insurance contract (this is the case for the majority of house-risk insurance contracts). Often, you just have to tell your insurance company who the occupants are and when the exchange is taking place.

If the home exchange is not included in your insurance contract, you must approach your insurer to negotiate the cover of the home exchange by a agreeable to your contract.

Next, you need to check if the family you are exchanging with has a resort liability guarantee, and if the guarantee applies abroad. It is this guarantee that will cover them for the risks of fire, explosion or water damage.

If the family does not have this guarantee, you must require them to subscribe to it before proceeding with the exchange.

Finally, you should also plan which of the 2 parties will take over the frankness in the event of a disaster.

You must first check that the housing exchange is provided for in the insurance contract of the person with whom you wish to make the exchange (this is the case for the majority of house-risk insurance contracts).

Make sure that this person informs the insurance company of the identity of your family members and the period of your stay.

Then you have to check if you have a resort liability guarantee, included in most home risk insurance contracts, and if this guarantee applies abroad. This guarantee will cover you for the risk of fire, explosion or water damage.

If you don't have this guarantee, you need to get in touch with your insurer to purchase it through a agreeable to your contract.

Finally, you should also plan which of the 2 parties will take over the frankness in the event of a disaster.