When insuring a property, whether as a tenant, owner or co-owner in a condominium, not only should you consider covering your contents, personal effects, but most importantly any items of value. These may be jewellery, antiques, paintings, etc…
Standard household policies offer very limited cover in terms of sums insured on items of value, and conditions are very restrictive.
Another important factor to take into consideration is liabilities. Cover required obviously varies whether you own (sole-proprietor or co-owner) or rent.
We, at The Eric Blair Network, will guide you and propose an adapted solution. The following information only applies to risks located in France and Monaco.
Household insurance is probably one of the easiest types of insurance to subscribe to, but one of the most complicated to explain when it comes to coverage provided. One important factor to know is that French Insurance policies are adapted to the way French Laws are written up. In this sense, coverage always considers liability to third parties as the foundation of a policy. Then, buildings and contents are considered.