Insurance Requirements for a Smooth Rental Experience
When renting an apartment or a house in Paris (or anywhere in France), it is essential to have appropriate insurance coverage, whether for a short-
, medium- or long-term rental.
Being properly insured allows you to rent with peace of mind and helps avoid complex situations in the event of a claim.
Insurance Required from the Day Keys Are Handed Over
For both unfurnished and furnished rentals, tenants must be insured from the first day of occupancy.
👉 The landlord or the agency may refuse to hand over the keys without a valid insurance certificate.
Lokim systematically refuses check-in if no insurance is provided.
Key points to check:
-
the type of rental (furnished or unfurnished),
-
the duration of the lease,
-
the inclusion of tenant’s liability insurance (responsabilité civile locative).
What Tenant Home Insurance Usually Covers
Tenant home insurance (often called multi-risk home insurance) may typically cover:
-
damage to the rented property (fire, water damage, explosion),
-
tenant’s liability, in case of damage caused to the rented property,
-
personal liability, for damage caused to third parties,
-
personal belongings, depending on the options chosen.
⚠️ Please note:
-
coverage levels vary from one policy to another,
-
some guarantees may be optional,
-
deductibles and coverage limits should always be checked carefully.
Lokim’s Practical Advice
Before taking out or validating an insurance policy, we recommend that you:
Check your current insurance
Some existing home insurance policies may already cover a rental, subject to an amendment or adjustment.
Make sure the policy matches your lease
Insurance designed for an unfurnished rental does not always cover a furnished rental, and vice versa.
Confirm tenant’s liability coverage
This is a key guarantee and is required in most leases.
Do not compare prices only
Coverage details, exclusions and deductibles are just as important as the cost.
Keep your insurance certificate up to date
An insurance certificate may be requested at check-in and during the lease term.
In Summary
Appropriate home insurance is a key element of a successful rental.
It protects the property, the tenant and the owner, and helps prevent many difficulties in case of an incident.
In Paris or anywhere else in France, rent with peace of mind with Lokim.
