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Verified steps:

Go to the result

Result

The contract corresponds to the housing, date and risks; certificate available.

To be done today

  1. Check address/type/area
  2. Set the effective date
  3. Check deductibles and exclusions

Check the result

  • Coherent Certification with Lease
  • No rupture
  • Old contract terminated with proof
Preparing a visit cardPrepare the file for filingRental: tenant fileCheck the requirements; the administration decidesSee stepsRental: from the announcement to the keysPreparing a callTermination of a service contract
In brief
Section actions
Duration: Subscription — 20 to 30 min online; claim declaration — 5 working days
Cost: About 10 to 30 €/month for a rented apartment
Possible online

Who this guide is for

Section actions
  • Renters taking insurance at entry
  • Those who change insurers or compare prices
  • Tenants facing a disaster (fire, water damage)

To be prepared in advance

Section actions
  • The lease, to verify coverage requirements
  • Address and characteristics of the dwelling (area, type) for the premium
  • RIB for payment and telephone number

Step-by-step procedure

Section actions
  1. 1Know the legal minimum: insurance must cover fire, water damage, natural disasters. Civil liability is included in most contracts.
  2. 2Compare offers: count about 10 to 30 €/month for a rented apartment. Comparers online (lesfurets.com, lecomparateurassurance.fr) or direct insurers (MAAF, MACIF, Crédit Agricole, AXA).
  3. 3Check the rental civil liability coverage — it protects you if you damage the accommodation (forgotten rubbish, damage to neighbours).
  4. 4Subscribe online or by phone, choose the effective date (at entry) and the method of payment (automatic sampling by RIB — practical).
  5. 5Provide the lessor with the insurance certificate at the time of signing the lease and each year upon renewal. Without it, it can apply sanctions.
  6. 6In case of a claim, immediately notify the insurer (under 5 working days), complete the statement (for a damage of the waters — a friendly statement between neighbours), attach photos and invoices. Also inform the lessor in writing.

Common mistakes

Section actions
  • Rent without insurance — infringement, risk of termination of lease and rebilling.
  • Failure to transmit the attestation to the lessor — ground for sanctions.
  • Undercover to pay less: in case of damage to neighbours, you pay out of your pocket.
  • Tarder to report loss — deadlines are strict (5 days for most).
  • Do not read exclusions: valuables (jumps) often require a separate option.

Official sources

Section actions
Show sources in this section

Useful links

Section actions
Type of leaseWorks: repairs to tenants/leasersReports on progress

Important remark

Conditions and coverage vary among insurers. This information is indicative — refer to your insurance contract for the exact conditions.

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