Tenant insurance: optional additional guarantees

It compensates neighbors or third parties for damage caused by a loss from your home. For example, a fire started in your home, a leak, a fall of an element of the housing.

It takes care of the damage in others, but not your personal possessions.

This guarantee is often integrated in multi-risk housing contracts, but not always. It is therefore necessary to verify it.

It covers damage caused to third parties by your children within the framework of the school or extracurricular activities.

This guarantee can be integrated into the civil liability “privacy” according to the contracts. It is therefore necessary to check if it is already included to avoid a double subscription.

It takes care of the damage caused to electrical appliances of your home (lightning, overvoltage, short circuit, network fault,...).

Depending on the contracts, certain devices (old or non-compliant) may be excluded and specific ceilings apply.

The theft warranty covers:

• the theft break and enter, escalate, use false keys,
• the deterioration committed during the flight,
• the acts of vandalism in the housing.

Insurers often impose mandatory security measures (armored door, 3-point lock, locked windows, alarm,...). In the event of non-compliance, compensation may be refused.

Some items (jewelry, valuables, expensive multimedia devices) may require a specific declaration or an additional option.

It allows you to benefit from assistance and guarding services at certain events provided for in the contract. For example, following a burglary.

This guarantee may also include emergency rehousing after a fire, for example, a cash advance, a household assistance after disaster or breakdown (plumbing, locksmith), depending on the contracts.

The guarantee legal protection allows you to benefit from the coverage of your defense costs or legal services in the event of disputes related to your home.

This guarantee may also cover certain disputes with the neighborhood, the owner or service providers (craftsmen, companies), within the scope of the contract.

Intervention ceilings, exclusions (e.g. litigation already existing before subscription) and waiting periods must be checked carefully.

It covers the accidental breakage, theoxidation, on theft (according to the contracts), that the incident occurs inside or outside the home.

However, it may exclude:

• very old appliances,
• robberies without violence,
• cracked screens without external events.

It protects the expensive or specific equipment : high-end bicycles, electric scooters, skis, diving equipment, fitness equipment, etc.

It covers accidental breakage, theft (depending on the terms of the contract) and sometimes loss during transport.

It covers the case of:

• windows,
• verandas,
• bay windows,
• integrated mirrors,
• inserts, glass-ceramic plates according to contracts.

This coverage is often included in home insurance, but it includes frequent exclusions, such as scratches or cracks without impact. It is therefore necessary to verify it.

It compensates for food lost as a result of:

• a power cut,
• failure of the apparatus,
• a fault in the network.

Some insurers ask for proof (purchase ticket, photo of the content).