Home Multi-Risk Insurance

Coverage and Claims Covered by Our Home Insurance

• Fire & Explosion

• Electrical Damage

• Water Damage, Freezing, and Leak Detection

• Weather Events

• Theft and Vandalism

• Glass Breakage

• Natural Disasters and Technological Disasters

• Civil Liability

• Legal Protection

• Assistance

• Defense and Claims

• Outdoor Installations - Optional

• Fire & Explosion

  Your deep fryer catches fire and damages your kitchen. Your home insurance covers the compensation for your damaged property, including damages caused by the emergency services.

  Details of the Coverage
  Fire & Explosion

  What we cover:

  Material damage caused to insured property by:

  • Fire: meaning combustion with flames outside a normal hearth.
  • Smoke without fire, due to an accidental event.
  • Explosion and implosion: meaning the sudden and violent action of pressure or vacuum of gas or steam and the deflagration of explosives.
  • Direct lightning strike on the insured buildings.

  We cover, without deductible, the refilling of fire extinguishers used to fight a fire or a beginning of a fire.

  What we do not cover:

  • Damage caused by the explosion of dynamite or other explosives you may possess.
  • Burn damage caused by smokers.
  • Damage to objects falling into a hearth with flames.
  • Damage caused by smoke emissions from open fires outside or not connected to a chimney by a smoke evacuation duct.
  • Damage caused by heat without fire.

  For the full terms and conditions, refer to the general conditions.

• Electrical Damage

  Your computer is unusable due to a power surge. Your home insurance covers compensation at replacement value.

  Details of the Coverage
  Electrical Damage

  What we cover:

  Buildings

  Direct material damage resulting from the action of electricity (short circuit or power surge):

  • To the electrical installation of the insured buildings.
  • To the insured buildings themselves and to the devices (heating, controlled mechanical ventilation, alarms...) integrated into them.

  Devices

  Direct material damage caused to your electrical and electronic devices (household appliances, televisions, VCRs, hi-fi systems, computers...) by a short circuit or a power surge.

  What we do not cover:

  • Damage resulting from breakdowns suffered by the devices due to wear and tear, poor maintenance, or inappropriate use.
  • Damage to the contents of all household appliances and computer equipment (loss of foodstuffs, loss of data) as well as the costs of file reconstruction.
  • Damage caused to motorized toys and garden motor equipment.
  • Lamps, fuses, electronic tubes, resistors, batteries.

  For the full terms and conditions, refer to the general conditions.

• Water Damage, Freezing, and Leak Detection

  Your washing machine overflows and damages your furniture. Your home insurance covers compensation at replacement value.

  Details of the Coverage
  Water Damage, Freezing, and Leak Detection

  What we cover:

  When located inside the buildings covered by the contract, we cover the insured property against direct material damage caused by water when it comes from:

  Accidental leaks, breaks, or overflows of water from:

  • Sanitary appliances such as bathtubs and sinks or sanitary seals around these installations;
  • Water effect appliances such as washing machines, radiators, boilers, etc.;
  • Containers such as aquariums and refrigerator trays;
  • Gutters and downspouts;
  • Non-buried pipes, including pipes embedded in the ground or wall or passing through a crawl space serving the building;
  • Water infiltration through roofs, terraces and balconies, facades;
  • Backflow from your pipes inside your home;
  • The action of freezing on the pipes and appliances connected to them, located inside the insured closed and covered buildings.

  We also cover the costs of leak detection:

  In case of covered damage only, we cover the costs of leak detection. In other words, when a leak occurs in a pipe embedded inside or beneath an insured building, we cover the breaking and repair costs required for leak detection, within the limits specified in the coverage table.

  For the full terms and conditions, refer to the general conditions.

• Weather Events

  Following a storm, the roof of your home is blown off by strong winds, and the rain damages your bedding. Your home insurance covers your bedding and your roof if you are the owner.

  Details of the Coverage
  Weather Events

  What we cover

  STORM

  We cover direct material damage caused to insured property (buildings and contents) by the direct action of the wind, or by the impact of an object overturned or thrown by the wind (such as a tree).
  The wind must be strong enough to damage well-constructed buildings located in the municipality of the insured residence or in neighboring municipalities. To prove this, you can provide a local newspaper article, a certificate from the emergency services, or from the nearest weather station.

  HAIL

  We cover direct material damage caused to insured buildings (roofs, gutters, downspouts, facades, shutters, and doors, in particular) by the direct action of hail.
  This phenomenon must be strong enough to destroy, break, or damage in the municipality where the damaged property is located, buildings of construction and covering quality comparable to that of the insured buildings.

  AVALANCHE

  We cover direct material damage caused by an avalanche to insured buildings (and their contents).

  WEIGHT OF SNOW

  We cover direct material damage caused by the weight of snow or ice accumulated on roofs, or by the fall of a tree on the building caused by the weight of the snow.
  These phenomena must be intense enough to destroy, break, or damage, in the municipality where the damaged property is located or in neighboring municipalities, a number of buildings of construction and covering quality comparable to that of the insured buildings.

  WATER DAMAGE

  We cover direct material damage caused to insured property (buildings and contents) by water damage when the insured buildings are damaged by a storm, hail, or the weight of snow or ice, and within the 72-hour period following the occurrence of the loss.

  FREEZING

  We cover direct material damage caused by the action of freezing on the pipes and appliances connected to them, located inside the insured buildings.

  FLOODING

  We cover direct material damage caused to insured property (buildings and contents) by flooding following storms, waterspouts, storms, and tornadoes, accompanied by precipitation of such intensity that they cause, within 48 hours of their occurrence:

  • The overflow of watercourses or bodies of water, natural or artificial, as well as the rise of groundwater.
  • The backflow of sewers and underground pipes.
  • Surface runoff.
  • Mudslides.

  However, the coverage does not apply when the buildings have already suffered two (2) floods in the last ten (10) years.

  What we do not cover

  • Repetitive damage, i.e., damage resulting from the same cause as a previous loss and whose repair is your responsibility and has not been carried out.
  • Damage resulting from wear and tear or lack of maintenance or repair known to you and your responsibility, such as:Failure to maintain closure devices for openings.Damage caused by seas and oceans.Damage resulting from events classified as natural disasters or technological disasters by the competent administrative authority and covered under these guarantees.Damage caused to furniture located outdoors or in buildings that are not fully enclosed or covered, and their contents.Damage caused to buildings not anchored to the ground, and their contents.Damage caused to awnings, outdoor tarps, and solar sensors not incorporated into the roof.

  For the full terms and conditions, refer to the general conditions.

• Theft and Vandalism

  You go away for the weekend. Upon your return, you find that your door has been forced open and some of your belongings have been stolen: your home insurance covers the compensation.

  Details of the Coverage
  Theft and Vandalism

  What we cover

  We cover the disappearance, destruction, or deterioration of insured property only if it is located inside the insured building, as well as property damage caused to insured buildings and outbuildings resulting from theft, attempted theft, or an act of vandalism committed under the following circumstances:

  • By breaking and entering;
  • By climbing when the opening is more than 3 meters from the ground;
  • With violence and threats to people present.

  Only the consequences of acts of vandalism committed inside the insured buildings during a guaranteed theft or attempted theft are covered.

  We also cover the disappearance, destruction, or deterioration of the gate or gate door and their accessories within the limit mentioned in the coverage table. Only the consequences of acts of vandalism committed on these same items during a guaranteed theft or attempted theft are covered.

  What we do not cover

  • Theft, attempted theft, or vandalism committed by an insured person or a member of their family (ascendants, descendants, etc.).
  • Theft committed in a shared communal area (e.g., a bike room in a collective building).
  • Theft of jewelry and valuables committed in outbuildings and verandas.
  • Theft committed without breaking and entering, using keys left outside the insured buildings in a noticeable and easily accessible place (mailbox, under a doormat, etc.).
  • Theft of valuables located in premises without direct communication with the insured building.
  • Theft of items in the open air (garden, balcony, terrace, etc.).
  • Theft of car keys.
  • Damage and inscriptions other than those resulting from theft or attempted theft (graffiti and tags) on insured buildings and outbuildings.
  • Inscriptions (tags and graffiti in particular) on the fence elements of the land, on the gate or gate door, and their accessories.

  For the full terms and conditions, refer to the general conditions.

• Glass Breakage

  Your stepladder accidentally falls on your window and breaks it. Your home insurance covers the compensation.

  Details of the Coverage
  Glass Breakage

  What we cover

  We cover accidental breakage of glass elements and products made of transparent or translucent plastic (performing the same functions):

  • Doors, windows, and roof windows of insured buildings in communication with the outside;
  • Balcony and railing walls;
  • Canopies;
  • Verandas;
  • Mirrors fixed to walls;
  • Solar panels;

  when they are an integral part of the insured buildings.

  We also cover accidental breakage of glass and mirrors of insured movable property located in the insured dwelling.

  What we do not cover

  • Breakage of greenhouses.
  • Breakage of glass parts of shower and bathtub cabins and walls.
  • Scratches, chips, and nicks, deterioration of silvering or paint.
  • Damage resulting from the age of the installation or obvious lack of maintenance.
  • Damage occurring during installation, removal, or renovation work.

  For the full terms and conditions, refer to the general conditions.

• Natural Disasters and Technological Disasters

  An earthquake damages your home. A natural disaster decree is published in the Official Journal. Your home insurance covers the compensation.

  Details of the Coverage
  Natural Disasters and Technological Disasters

  What we cover

  In accordance with and within the limits of the insurance obligation established by law no. 82-600 of July 13, 1982, direct material damage caused to insured real estate and personal property by the "abnormal intensity of a natural agent." The guarantee is activated after the publication of an interministerial decree in the Official Journal of the French Republic acknowledging the state of natural disaster.

  Activation of the guarantee

  The guarantee can only be activated after the publication of an interministerial decree in the Official Journal of the French Republic acknowledging the state of natural disaster.

  Scope of the guarantee

  The guarantee covers the cost of direct, non-insurable material damage suffered by the property, up to their value as specified in the contract and within the limits and conditions provided by the contract at the first manifestation of the risk.

  We also cover

  The costs of clearing, demolition, and transportation of debris within the limits provided in the coverage table for ancillary costs.

  What we do not cover

  • Additional guarantees (loss of use, financial loss of the insured co-owner, reimbursement of mortgage loan installments, compliance costs, construction damage insurance, architect fees).
  • Properties built on land classified as non-buildable by a foreseeable natural risk prevention plan approved under the conditions provided by law no. 87-565 of July 22, 1987, relating to the organization of civil security, forest fire protection, and major risk prevention, unless the property existed before the publication of this plan.

  For the full terms and conditions, refer to the general conditions.

• Civil Liability

  You bump into a pedestrian while running. They fall, get injured, and break their glasses. The civil liability of your home insurance covers the compensation for their damages.

  Details of the Coverage
  Civil Liability

  What we cover

  The financial consequences of the civil liability that you may incur in your private life, due to bodily and material damages resulting from harm caused to a third party.

  We also cover immaterial damages only when they are the result of covered material and/or bodily damage.

  When your liability is jointly or “in solidum” engaged, we cover the financial consequences within the limit of your share of responsibility in relation to the co-authors of the damage.

  What we do not cover

  • Damage caused by any wild animal, even if domesticated, and by dogs whose ownership is subject to restrictive conditions under articles L.211-12 to L.211-16 of the Rural Code.
  • Damage caused or suffered by a motorized land vehicle, its trailers, semi-trailers, and attached land devices, a sailboat or motorboat, an aircraft, or a drone of categories B to G (decree of April 11, 2012, article 4) when the Insured owns, drives, or is responsible for them (however, your liability and that of the insured minor child remain covered if they use, without your knowledge or the knowledge of the person responsible for it, a vehicle that you do not own, rent, or have been entrusted with in any way).
  • Damage to property that is rented, loaned, or entrusted to the insured.

  For the full terms and conditions, refer to the general conditions.

• Legal Protection

  Your neighbor is a beginner musician. He plays the drums every evening from 10 PM on his terrace. Your home insurance steps in to defend you.

  Details of the Coverage
  Legal Protection

  What we cover

  We intervene in case of a dispute related to your status as a tenant or owner during the validity period of the contract, in the areas of law related to rental agreements and property rights:

  • Not resulting from an event known to you before it takes effect.
  • Not resulting from an intentional or fraudulent fault on the part of any insured person, or their involvement in intentional offenses against persons or property.
  • Where the stakes for you reach or exceed the threshold mentioned in the coverage table of your contract.

  What we do not cover

  We do not intervene when:

  • Your request is legally untenable, prescribed, or when its stakes are below the intervention threshold.
  • The harmful event or reprehensible act at the origin of the dispute is brought to your attention before the effective date or after the termination of your contract.

  Disputes related to:

  • Motor vehicles (land, air, or water).
  • Real estate works requiring, in whole or in part, a building permit.
  • Defects in your main residence that fall under the perfect completion guarantee, the two-year guarantee, or the ten-year builder's guarantee.

  For the full terms and conditions, refer to the general conditions.

• Assistance

  You are on vacation in Costa Rica, and a fire breaks out at your home. The assistance service arranges your repatriation and can set up security measures as an emergency response.

  Details of the Coverage
  Assistance

  You are on vacation in Costa Rica, and a fire breaks out at your home. The assistance service arranges your repatriation and can set up security measures as an emergency response.

  Following a leak in the heating system, your home becomes uninhabitable. The assistance service arranges temporary accommodation for you for 5 days.

  For the full terms and conditions, refer to the general conditions.

• Defense and Claims

  In the organic fruit and vegetable section, you are bumped by a shopping cart operated by another customer. You damaged your coat in the fall. Your home insurance steps in to present your claim to the responsible party.

  Details of the Coverage
  Defense and Claims

  What we cover

  Following an accident caused by a third party, we commit, at your request, to amicably seek financial compensation for material and bodily damages caused in your private life.

  If no agreement is reached and legal action becomes necessary, we cover the legal fees and your lawyer's fees within the contractual limits outlined below.

  What we do not cover

  • Success fees (fees proportional to the amount awarded by a court).
  • Representation or postulation fees if the lawyer you have chosen is not registered with the bar of the competent court.

  For the full terms and conditions, refer to the general conditions.

• Outdoor Installations - Optional

  Hail damages your garden shed. Your home insurance covers the compensation for the damages.

  Details of the Coverage
  Outdoor Installations - Optional

  Covered Property

  • Fixed or sealed real estate improvements or equipment on the land: terraces, electrical installations, lighting, paved paths, wells, pumps, automatic irrigation systems, play structures, built-in and sealed barbecues, pergolas, gazebos, kiosks...
  • Swimming pools, including their accessories (cover, robot, heat pump...) when their presence is mentioned in the special conditions.
  • Hedges, trees, and shrubs.
  • Jacuzzis and spas as well as their rigid shelter anchored to the ground by foundations, substructures, or masonry bases.
  • Garden furniture including the garden shed not anchored to the ground (up to 50% of the Swimming Pool and Outdoor Installations capital).

  In the event of a natural disaster, compensation for all built improvements on the land (fence walls, swimming pool...) will be according to the terms of the "Home Guarantees" and not up to the capital of this "Outdoor Installations" option.

  What we cover

  • Lightning strike, fire, or explosion.
  • Collision with an identified or unidentified land vehicle.
  • Impact by an aircraft or an object falling from space.
  • Storm (under the same conditions as the insured buildings), hail, flood.
  • Natural disaster.

  For pools: What we do not cover

  • Inscriptions (tags and graffiti in particular) on the land’s real estate improvements.
  • Damage resulting from obvious lack of maintenance.
  • Damage to greenhouses.
  • Theft of garden furniture and garden shed not anchored to the ground, as well as its contents.
  • Costs of leak detection and repairs on pool pipes and circuits.

  For the full terms and conditions, refer to the general conditions.