{"id":2892,"date":"2011-06-21T11:37:03","date_gmt":"2011-06-21T10:37:03","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/services\/conseils\/?p=2892"},"modified":"2022-05-11T08:37:27","modified_gmt":"2022-05-11T06:37:27","slug":"multi-risk-home-insurance-who-must-insure","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/en\/mon-logement\/assurance\/assurance-multirisques-habitation-qui-doit-sassurer\/","title":{"rendered":"Comprehensive home insurance: who should be insured?"},"content":{"rendered":"<p>Comprehensive home insurance covers your home, regardless of its size, in a building or a single-family home.<\/p>\n\n\n\n<p>It also covers your furniture and even your liability in the event of damage to third parties. Depending on who is concerned, taking out such insurance may be compulsory or optional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The owners<\/strong><\/h2>\n\n\n\n<p>There is no obligation for a homeowner to insure his or her home or personal property, but it is prudent to take out such insurance. Indeed, in the event of a claim, the damaged goods and the prejudices caused to the neighbours will be compensated by the insurer, and not by the owner himself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The co-owners<\/strong><\/h2>\n\n\n\n<p>The building in which a co-owner resides is normally insured by the syndic, on behalf of the co-ownership. It normally covers damage to the common parts of the building (entrance, stairwell, roof, etc.): fire, water damage, storm, natural disasters, theft or damage, etc. Some contracts also cover private areas such as cellars and car parks. In no case does this insurance exempt the co-owner from protecting himself against risks to his own personal property or to other co-owners or tenants, or even to the common parts of the co-ownership.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The tenants<\/strong><\/h2>\n\n\n\n<p>Home insurance is compulsory for tenants, regardless of the property occupied. All tenants must prove to their landlord when they move in that they are insured, and every year on the anniversary of the contract. If this is not the case, the lease may be terminated. However, the law does not allow landlords to impose one insurance company over another.<\/p>\n\n\n<section id=\"section-3-14695\" class=\"ct-section\" ><div class=\"ct-section-inner-wrap\"><div id=\"div_block-4-14695\" class=\"ct-div-block\" ><div id=\"new_columns-7-14695\" class=\"ct-new-columns\" ><div id=\"div_block-8-14695\" class=\"ct-div-block\" ><div id=\"div_block-14-14695\" class=\"ct-div-block\" ><\/div><\/div><div id=\"div_block-9-14695\" class=\"ct-div-block\" ><h1 id=\"headline-11-14695\" class=\"ct-headline\">What are the property prices at the moment?<\/h1><div id=\"text_block-12-14695\" class=\"ct-text-block\" >Prices are slowing down. Interest rates are rising. What are the trends for the coming months?<\/div><a id=\"link_button-13-14695\" class=\"ct-link-button\" href=\"https:\/\/www.athome.lu\/blog\/blog\/marche-immobilier\/prix\/tendances-2022\/\" target=\"_blank\"  >Read the analysis<\/a><\/div><\/div><\/div><\/div><\/section>\n\n\n<p><em>&nbsp;Source: lemoneymag.eu<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>L'assurance multirisques habitation couvre votre lieu d'habitation, quel que soit sa taille, situ\u00e9 dans une immeuble ou une maison individuelle. Elle concerne \u00e9galement vos meubles et m\u00eame votre responsabilit\u00e9 en cas de dommage cr\u00e9\u00e9s \u00e0 des tiers. Suivant les personnes concern\u00e9es, la souscription d'une telle assurance peut \u00eatre obligatoire ou facultative. Les propri\u00e9taires Aucune obligation [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":7286,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[204],"tags":[58],"class_list":["post-2892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-assurance-habitation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance multirisques habitation : qui doit s&#039;assurer ? - atHome Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.athome.lu\/blog\/en\/my-home\/insurance\/multi-risk-home-insurance-who-must-insure\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance multirisques habitation : qui doit s&#039;assurer ? - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"L&#039;assurance multirisques habitation couvre votre lieu d&#039;habitation, quel que soit sa taille, situ\u00e9 dans une immeuble ou une maison individuelle. 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