Owner and tenant: what are the differences?
There is a private liability guarantee which covers any damage you may cause, and an occupant and / or non-occupying owner civil liability guarantee, which is integrated into home insurance contracts. If you own real estate that you do not occupy as your main residence, this guarantee applies to damage caused to neighbors or to third parties as a result of fire, explosion, damage water from your property. This is the case, for example, if electrical equipment catches fire in your property and ignites the neighboring accommodation.
Are you a tenant of your accommodation? The civil liability guarantee covers you if you are the source of material damage caused to movable or immovable property belonging to the owner, to third parties, to neighbors but also resulting from a fire, an explosion or even water damage.
Complete civil liability with defense coverage
A guarantee can supplement the civil liability guarantee: this is the defense guarantee. It applies when your civil liability is engaged and you have therefore been found liable for damage. This guarantee then allows you to see the legal costs that you will incur, covered by the insurance. While legal, expert and procedural fees are covered, this is not the case for fines. A ceiling is generally set by the insurance for this coverage.
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