Is multi-risk home insurance mandatory?

Home insurance is not mandatory for the occupant

The obligation to insure – or, conversely, not to insure – one’s housing depends on the status of the person occupying it. Thus, an owner who occupies his home is not required by the insurance. However, if he does not take out multi-risk home insurance (MRH), he will have to bear the indemnification of all the damages, which not only he, but also, are good to cause. This is why it is highly recommended to take out home insurance to protect yourself. And for good reason, if he takes out home insurance, then the homeowner is covered against the risks that can affect his home (fire, explosion, etc.) as well as against theft (valuables, interior design of the home … ). De leur côté, the levels are covered by the civil liability of the owner, guaranteeing the repair of the damages caused to him. Finally, he clarified that the insurance contract may include warranty exclusions excluding damages of nuclear origin, resulting from a war or whose origin would be prior to the signing of the contract. Exclusions can refer to the practice of a dangerous sport (car course, mountaineering, parachuting…) or to the detention of first or second category dogs (pit bulls, boerbulls, Tosa).

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