The home multi-risk insurance policy provides the insured with comprehensive guarantees to protect his family's assets against the consequences of events affecting his home or involving his responsibility or that of his family members.
Whether you own or rent, this contract brings together the various guarantees that meet the needs of each and comply with legal obligations.
This insurance contract mainly covers:
damage to property: buildings belonging to the insured and their contents (furniture and objects);
the civil liability "private life" under which the insurer replaces the responsible to compensate the victim;
the liability of the insured as the owner of the dwelling (if he is liable for damages caused to tenants or third parties by reason of his dwelling) or as a tenant (if he is liable for damage to property leased to it or damage caused to third parties).

A multi-risk home insurance policy protects insured housing against fires, water damage, broken windows and other exceptional events in everyday life. It also protects the personal property of the subscriber and his civil liability and those of his family in the event that one of them is liable for damage caused to others. This is not the case for a home insurance covering only the rental risks: the personal property of the insured and the civil liability of the latter and his family are not protected, hence the interest to resort to a multi-risk home insurance.
Generally, insurance companies offer their multi-risk home insurance with the same basic guarantees, accompanied by other guarantees to offer different types of formulas. Some formulas provide legal protection insurance and assistance. On the other hand, the method of reimbursement, the compensation limits and the amount of deductibles vary according to the offers and the insurers.