What is civil liability used for in home insurance?
Liability coverage is generally integrated into home insurance contracts. Essential, it covers you in the event of material damage or bodily injury caused to a third party. When choosing your policy, make sure the entire household is covered and that the coverage is right for you.
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A couple choosing their home insurance online
The civil liability guarantee covers you in the event of material damage or bodily injury caused to a third party. © Monkey Business Images
Summary
What is liability coverage?
Who is covered by the civil liability guarantee?
What events are covered?
What damages are not covered?
What is partial liability insurance?
How to obtain a civil liability guarantee?
Owner and tenant: what are the differences?
Complete civil liability with defense coverage
What is liability coverage?
Liability coverage, which is an integral part of home insurance, is essential as it covers damage that could be caused to others. It can be both personal injury and property damage, provided it was not caused intentionally. Repairs to damage caused to third parties generate more or less costs depending on the situation and the insurance covers all or part of these costs depending on the situation. As a general rule, it is considered that private civil liability coverage, that is to say that which incorporates housing contracts, intervenes in the event of damage caused in the course of everyday life.
Who is covered by the civil liability guarantee?
Liability coverage occurs in the context of damage caused to third parties, whether the subscriber is the cause of such damage or whether their author is one of the people living in the household and for which the subscriber is responsible. The children of the subscriber of the civil liability guarantee are therefore naturally covered by this guarantee, just like a parent who would live under the same roof, the pets owned by the subscriber, etc. The insurance premium is also calculated according to the number of people living in the household. Note that the rented or borrowed objects, which are also under the responsibility of the subscriber, are also insured, as is the accommodation of which the subscriber is the owner or tenant. For example, damage that originates from a lack of maintenance or a construction defect would fall within the scope of the civil liability guarantee, whether the accommodation is unoccupied or rented.
What events are covered?
Civil liability covers damage caused by the subscriber or by a member of the household, in the context of private life, the practice of sport or leisure. For example, it applies if your dog runs over a cyclist or a person in the street, if you injure a person during a sports match, if one of your children accidentally damages the cell phone of a third party. , damage a neighbor's window while playing ball, you have guests in your house and one of the guests gets burned during a barbecue, or you injure someone while walking by falling on her, etc.
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