Understand before choosing
A review centred on your circumstances.
In a co-owned building, each co-owner must hold civil-liability insurance, whether or not they occupy the unit.
Complement the tenant's cover rather than duplicate it
A tenant must at least insure rental risks. Non-occupying-owner cover can address risks specific to the owner, depending on the policy: liability, property damage in certain situations, vacancy periods and optional extensions.
Co-ownership and civil liability
The civil-liability requirement for co-owners also applies to non-occupying owners. The building's master insurance should also be reviewed so that the respective roles of the different policies are understood.
Information that should be declared
Property type, use, furnished or unfurnished letting, occupancy, outbuildings, works and vacancy periods can affect underwriting. The actual circumstances should be disclosed to the insurer.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Is non-occupying-owner insurance compulsory for a co-owned apartment? +
A co-owner, whether occupying the unit or not, must at least hold civil-liability cover. Any broader PNO protection depends on the cover selected.
Does PNO insurance replace the tenant's insurance? +
No. The tenant must separately insure at least the rental risks; the two contracts address different responsibilities.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.