Podcast
Questions and Answers
In a co-ownership association, when is the owner-occupier of a home required to take out home insurance?
In a co-ownership association, when is the owner-occupier of a home required to take out home insurance?
- When the property is part of a condominium (correct)
- Only if the property is rented out
- Never
- Always
What happens if an owner who occupies his own home does not take out home insurance?
What happens if an owner who occupies his own home does not take out home insurance?
- He will be exempt from any liability.
- He will receive compensation for any damage caused by him.
- His property will automatically be insured.
- He will have to pay compensation for any damage he or his property may cause. (correct)
What is one of the disasters covered by comprehensive home insurance for an owner-occupied home?
What is one of the disasters covered by comprehensive home insurance for an owner-occupied home?
- Flood damage only
- Earthquake only
- Fire, explosion, water damage, etc. (correct)
- Theft only
If an owner rents out his property, who is responsible for ensuring that home insurance is in place?
If an owner rents out his property, who is responsible for ensuring that home insurance is in place?
What must be insured if a dwelling is part of a condominium?
What must be insured if a dwelling is part of a condominium?
What additional guarantees can be included in comprehensive home insurance?
What additional guarantees can be included in comprehensive home insurance?
What is the maximum allowable rental period for the dwelling per calendar year?
What is the maximum allowable rental period for the dwelling per calendar year?
When can the rental period of the accommodation exceed 120 days?
When can the rental period of the accommodation exceed 120 days?
What information must be provided in a sworn certificate before publishing a rental advertisement?
What information must be provided in a sworn certificate before publishing a rental advertisement?
What must a digital platform do when the accommodation has been rented for 120 days between January 1 and December 31?
What must a digital platform do when the accommodation has been rented for 120 days between January 1 and December 31?
If you are not using a digital platform for renting your main residence, what may the town hall request from you?
If you are not using a digital platform for renting your main residence, what may the town hall request from you?
What must the tenant do to rent out their main residence for a short period?
What must the tenant do to rent out their main residence for a short period?
What may happen if a tenant sublets their main residence without authorization?
What may happen if a tenant sublets their main residence without authorization?
What type of clientele should occupy a rented main residence according to the text?
What type of clientele should occupy a rented main residence according to the text?
What is an important condition for a tenant who wishes to sublet their main residence?
What is an important condition for a tenant who wishes to sublet their main residence?
In what situation can the rental period of a main residence be exceeded beyond 90 days per guest?
In what situation can the rental period of a main residence be exceeded beyond 90 days per guest?
What must a homeowner do if their unit is part of a condominium?
What must a homeowner do if their unit is part of a condominium?
Which municipalities require owners to declare their main residence at the town hall for a declaration number?
Which municipalities require owners to declare their main residence at the town hall for a declaration number?
What does a municipality do upon receiving a declaration of a main residence rental from an owner?
What does a municipality do upon receiving a declaration of a main residence rental from an owner?
What type of loan can a tenant apply for to finance the security deposit?
What type of loan can a tenant apply for to finance the security deposit?
What assistance can a tenant apply for to reduce the amount of rent?
What assistance can a tenant apply for to reduce the amount of rent?
Who is eligible for the Visale warranty until the day before their 31st birthday?
Who is eligible for the Visale warranty until the day before their 31st birthday?
What is the maximum monthly net income for a private sector employee, agricultural or non-agricultural, to be eligible for the Visale warranty?
What is the maximum monthly net income for a private sector employee, agricultural or non-agricultural, to be eligible for the Visale warranty?
What must the rental amount (including charges) not exceed for a tenant to be eligible for the Visale guarantee?
What must the rental amount (including charges) not exceed for a tenant to be eligible for the Visale guarantee?
When must the tenant make an online request for the Visale guarantee?
When must the tenant make an online request for the Visale guarantee?
What is the step after Action Logement checks if the tenant can obtain the Visale guarantee?
What is the step after Action Logement checks if the tenant can obtain the Visale guarantee?
What should the owner do in case of two months of unpaid rent from the tenant?
What should the owner do in case of two months of unpaid rent from the tenant?
How can the tenant make refunds for the Visale guarantee?
How can the tenant make refunds for the Visale guarantee?
'What should the owner do after creating his personal space on Visale.fr website?
'What should the owner do after creating his personal space on Visale.fr website?
Who is not eligible to receive the Visale warranty?
Who is not eligible to receive the Visale warranty?
What does Action Logement do upon confirming that a tenant is eligible for the Visale guarantee?
What does Action Logement do upon confirming that a tenant is eligible for the Visale guarantee?
Which type of damage is not covered by the insurance's civil liability guarantee?
Which type of damage is not covered by the insurance's civil liability guarantee?
What is one way to guarantee your professional civil liability according to the text?
What is one way to guarantee your professional civil liability according to the text?
What is one exclusion to the civil liability guarantee mentioned in the text?
What is one exclusion to the civil liability guarantee mentioned in the text?
What is one instance where renters insurance provides limited liability coverage?
What is one instance where renters insurance provides limited liability coverage?
What does the Visale guarantee do for a tenant according to the text?
What does the Visale guarantee do for a tenant according to the text?
What does the Visale guarantee cover for a tenant's main residence?
What does the Visale guarantee cover for a tenant's main residence?
Under what condition does Action Logement reimburse the owner in case of unpaid rent?
Under what condition does Action Logement reimburse the owner in case of unpaid rent?
What does comprehensive home insurance cover for third parties?
What does comprehensive home insurance cover for third parties?
In home insurance, what does the civil liability guarantee cover?
In home insurance, what does the civil liability guarantee cover?
What should a tenant provide to the owner each year in a rental property?
What should a tenant provide to the owner each year in a rental property?
What happens if a tenant does not provide the required insurance certificate after receiving a formal notice?
What happens if a tenant does not provide the required insurance certificate after receiving a formal notice?
In a condominium, what type of insurance must the owner take out?
In a condominium, what type of insurance must the owner take out?
Who is responsible for compensating for damage caused to others in civil liability?
Who is responsible for compensating for damage caused to others in civil liability?
Under comprehensive home insurance, which individuals are considered responsible for damage besides the owner?
Under comprehensive home insurance, which individuals are considered responsible for damage besides the owner?
What may an insurer specify in a comprehensive home insurance contract as an exclusion?
What may an insurer specify in a comprehensive home insurance contract as an exclusion?
Study Notes
Rentals and Insurance
- Short-term rental of main residence (up to 120 days per calendar year) is allowed, but must be declared in advance to the town hall and tax authorities
- Rental period may be exceeded only for reasons of professional obligation, health, or force majeure
- Owner must obtain a sworn certificate indicating:
- Fulfillment of prior obligations (declaration, authorization from the owner if the owner is a tenant)
- Accommodation is the main residence
- Possession of a housing declaration number
Insurance for Homeowners
- Homeowners are not required to take out home insurance, unless the property is located in a co-ownership
- Home insurance is mandatory for homeowners who rent out their property
- Comprehensive home insurance covers:
- Civil liability
- Damage caused by the owner or their dependents
- Theft, fire, explosion, water damage, etc.
- Civil liability guarantee covers damage caused to third parties by the owner or their dependents
Renters and Insurance
- Renters must provide the owner with an insurance certificate upon handing over the keys and annually
- If the renter fails to provide the certificate, the owner can take out home insurance on their behalf and request reimbursement
- Renters who are employees, civil servants, students, or apprentices can apply for the Visale guarantee, which covers unpaid rent and damages up to 36 monthly installments
Visale Guarantee
- The Visale guarantee is a surety that exempts the tenant from presenting any other security to the landlord
- Conditions for obtaining the Visale guarantee vary depending on the tenant's age, income, and occupation
- The guarantee covers unpaid rent and damages for the tenant's main residence
- The tenant must not be a direct ascendant or descendant of the landlord
Rental Process
- The tenant must request the Visale guarantee online before signing the lease
- Housing Action checks the tenant's eligibility and sends a visa if approved
- The tenant provides the visa to the landlord, who then requests a guarantee contract
- In case of unpaid rent, the landlord declares the unpaid amount to Housing Action, and the tenant must reimburse Housing Action
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Description
Test your knowledge on who is eligible for the Visale warranty scheme, which is available to individuals aged between 18 and 30, including employees, civil servants, students, and more. Explore the specific criteria for employees in the private sector over 30 years of age with less than 6 months of employment.
