How to ensure shared accommodation?
In shared accommodation, as with all conventional rentals, taking out a home insurance contract is essential. This contract, which can be taken out by the roommates themselves or by the owner, must cover not only the occupants but also the accommodation against certain rental risks.
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How to ensure shared accommodation?
Home insurance can be taken out for all roommates or individually by each of them. © Fxquadro
Summary
Insurance: what are the specificities of shared accommodation?
Shared tenancy: is home insurance compulsory?
What guarantees in a joint tenancy home insurance?
What are the risks of uninsured shared accommodation?
Who should take out shared home insurance?
Develop the contract as roommates change
How to choose the best shared home insurance?
Insurance: what are the specificities of shared accommodation?
In the context of a joint tenancy, the rules governing the lease are specific insofar as several tenants live under the same roof and who pay rent to the same owner. This type of cohabitation is defined by the law in the eyes of which it is about housing occupied by several tenants and which constitutes the main residence of the latter. There are different types of shared accommodation:
Student shared accommodation is by far the most common. It is frequent in university towns and brings together several students. Usually the roommates themselves choose a new roommate when one of them leaves the roommate.
Senior shared accommodation allows older people to break away from loneliness by coming together in shared accommodation. They then have the advantage of paying less rent and living in a community.
The sharing of single-parent families is emerging in large cities. This type of co-location allows sometimes fragile families to compensate for the lack of a second salary and to fill the loneliness.
Joint tenancy as a couple is regulated differently according to the rules governing the couple: cohabiting, married or civil union. A married couple is joint owner of the lease and the members of the couple pay the rent jointly. PACS couples are not necessarily united. It depends on who is the signatory - and therefore holder - of the lease: one or both? The same goes for cohabiting partners, for whom both - or only one of them - can be the holder (s) of the rental contract.
Shared tenancy: is home insurance compulsory?
The rule for home insurance is that it is mandatory therefore:
whether it is a rental,
whether this shared accommodation concerns one or more people,
and whether it takes place in a house or an apartment.
That we are dealing with a shared apartment does not therefore change the rule: the owner will ask for an insurance certificate at the start of the lease.
What guarantees in a joint tenancy home insurance?
As a roommate, it is necessary to cover yourself by taking out a minimum of guarantees in order to cover the risks associated with the rental. In addition to civil liability, which allows you to be covered in the event of damage caused to a third party, it is essential to take out guarantees covering the most common risks. It's about :
damage in the event of fire,
water damage,
risk of explosion.
The ideal is to opt for a comprehensive home insurance policy. Indeed, it covers roommates in the event of damage caused to both property and third parties. In addition, it protects the entire home as well as the furniture and equipment it contains. Also know that you are covered in the event of theft, broken glass, natural disasters, etc.
There are optional guarantees, such as electrical damage or the pool or garden guarantee. Depending on the characteristics of the property occupied, these guarantees may be of interest to all roommates.
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