{"id":17192,"date":"2022-11-03T15:01:40","date_gmt":"2022-11-03T15:01:40","guid":{"rendered":"https:\/\/www.bonsejourenfrance.net\/?page_id=17192"},"modified":"2026-04-29T12:14:40","modified_gmt":"2026-04-29T12:14:40","slug":"assurer-sa-location-saisonniere","status":"publish","type":"page","link":"https:\/\/www.bon-sejour-en-france.com\/en\/assurer-sa-location-saisonniere\/","title":{"rendered":"Secure your seasonal rental"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

The insurance of the client<\/h2>\n

So far everything is fairly simple but don\u2019t let us forget that we are in France and something that seems straightforward at the start can rapidly become rather complicated! In fact, if you ask your insurance company the simple question, \u201cWhat must I do?\u201d, he will simply reply, \u201cIt\u2019s not complicated: you just ask each client to produce a\u00a0holiday extension certificate\u00a0<\/strong>(\u201cextension de vill\u00e9giature\u201d in French), which very often is one of the guarantees included in the client\u2019s own comprehensive home insurance. This clause allows the client\u2019s own comprehensive home insurance to function during his holiday in your property.\u201d<\/p>\n

In effect, this extension ensures your client for potential damage that he might cause to your property (water, fire and theft), or to that of your neighbours during his stay, by transferring certain guarantees (third party liability insurance) from the client\u2019s principal dwelling to your property that he is renting on the Ile de R\u00e9.<\/p>\n

Following this principle, this special holiday extension certificate is the ideal solution. Nevertheless, this does not necessarily completely solve the problem, for at least three reasons:<\/p>\n

Your furniture (in particular the linen-covered sofa I mentioned before), will only be covered by the insurance if the damage was caused by a specific event such as a fire or water leak. But the greasy chocolate stain which the dear little child might have left when eating a pain au chocalat on the sofa, will not be covered.
\nDespite what some insurance companies might say, it isn\u2019t always easy to ask each client for a valid holiday extension certificate, as some clients do not understand that your property must be insured by them and not just by you, the owner. This is particularly true for luxury rentals.
\nLastly, if for example, you have Russian or Chinese clients, and there will likely be more of these in future, it is up to you to explain in English why in France they must produce a holiday extension certificate and, should they produce this document on arrival, it is up to you to check that it is valid and that all risks are covered.<\/p>\n

Another solution would be to ask the client to take out a specific insurance for this type of stay (holiday insurance<\/strong>), which would then include a third party liability clause for accidental damage caused to any furnishings and fittings such as the linen sofa, as well as to parts of the actual building, all of which belong to the owner of the property. This guarantee very often contains a maximum claim limit and an excess, which you should check. It is important to note that this insurance must remain optional and can never be imposed on the client nor be included nor hidden in the rental price.[\/vc_column_text][vc_column_text]<\/p>\n

Owners\u2019 insurance<\/h2>\n

While, as an owner who is not occupying the property which you are renting out on the Ile de R\u00e9, you are not legally obliged to take out any insurance, you must then tell the client that he is obliged to insure the property during his stay and you should make this a term of the rental agreement. In the case of short seasonal lets, it is dangerous to do this for all the above reasons, and equally because from time to time, you might wish to occupy the property yourself, especially if it is also your second home on the Ile de R\u00e9.<\/p>\n

The advice then is to take the initiative as owner and\u00a0insure your own property on the client\u2019s behalf\u00a0<\/strong>by taking out a specific third party guarantee (\u201cpour le compte de qui il appartiendra\u201d). This guarantee will cover all persons who occupy your property against rental risks (water, fire and explosive damage) to you, your neighbours and third parties.<\/p>\n

Another solution would be to take out a\u00a0guarantee waiving liability<\/strong>\u00a0(\u201cabandon de recours\u201d), which will cover damage caused in your property on the Ile de R\u00e9, but won\u2019t cover damage to your neighbours or to third parties. In this case, you must check that your client\u2019s third party liability insurance can pick up the slack \u2013 as you can see, this type of solution is quite complex.<\/p>\n

The bad news is that certain insurance companies, very often the mutual ones, do not offer these two types of guarantee, so you would have to change your insurance provider.[\/vc_column_text][vc_column_text]<\/p>\n

Practical solutions<\/h2>\n

So for your linen sofa with the greasy chocolate stain, there is a lot to think about.<\/p>\n

The breakage deposit<\/strong>\u00a0is an essential element in making the client accountable for his actions during his stay and works well if you are able to prove his liability. If the client is not entirely honest and insists that the stain was there when he arrived, it will be difficult for you to prove the contrary unless you have taken detailed photos of all your furniture vouching for its state before his arrival.
\nIn every case, the golden rule is to assess any damage immediately upon the client\u2019s departure, particularly if your bookings follow on from each other, which very often happens during the tourist season on the Ile de R\u00e9.<\/p>\n

Risks are undoubtedly par for the course in the business of seasonal holiday letting and no insurance can cover them 100%. A property on the Ile de R\u00e9 rented out for 20 or 25 weeks of the year will most certainly wear out more quickly than one that remains closed up for most of the time, or is exclusively occupied by the owner.<\/p>\n

As in all business ventures, turnover does not equal profit.\u00a05% should be set aside<\/strong>\u00a0to take into account these rental risks in order to replace an object if necessary or to repair some damage.<\/p>\n

Let us be practical and remember that\u00a0prevention is better than cure<\/strong>. For your sofa, covered in expensive linen, in case of accidents, cover it instead with material that is easy to wash or replace. This will be simpler than conducting an expensive law suit with your client or your insurance company.<\/p>\n

Be well aware of the risks associated with renting. You must have a good insurance contract but also, above all, you must organize your property so that it is adapted to being used as a holiday let and can be used easily by the client during his stay. Explain to him when he arrives how to look after the property and show him how to use the equipment. Tell him that someone is there to help if there is a problem or if something doesn\u2019t work properly. He has only to phone for assistance. Also someone will be there when he leaves.<\/p>\n

It is the job of Bon S\u00e9jour en France to advise, to rent out, to take care of your property and to guarantee the satisfaction of your clients.<\/p>\n

Didier P\u00e9l\u00e9tengeas \u2013 Managing Director, Bon S\u00e9jour en France[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text] The insurance of the client So far everything is fairly simple but don\u2019t let us forget that we are in France and something that seems straightforward at the start can rapidly become rather complicated! In fact, if you ask your insurance company the simple question, \u201cWhat must I do?\u201d, he will simply reply, \u201cIt\u2019s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","jsonld_full_graph":"{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"CollectionPage\",\"@id\":\"https:\/\/www.bon-sejour-en-france.com\/en\/assurer-sa-location-saisonniere\/#collection\",\"name\":\"Secure your seasonal rental\",\"url\":\"https:\/\/www.bon-sejour-en-france.com\/en\/assurer-sa-location-saisonniere\/\",\"inLanguage\":\"en-GB\",\"description\":\"Advice on client and owner insurance for seasonal rentals on \u00cele de R\u00e9, managing rental risks, and practical solutions for property protection.\"}]}","geo_topic_entity":"Bon S\u00e9jour en France","llm_summary":"This guide provides advice on insurance for seasonal rentals on \u00cele de R\u00e9, covering both client and owner responsibilities, and practical solutions to manage risks.","footnotes":""},"class_list":["post-17192","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nSecure your seasonal rental - Holiday rentals on the Ile de Re | Bon sejour en france<\/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.bon-sejour-en-france.com\/en\/assurer-sa-location-saisonniere\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Secure your seasonal rental - Holiday rentals on the Ile de Re | Bon sejour en france\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text] The insurance of the client So far everything is fairly simple but don\u2019t let us forget that we are in France and something that seems straightforward at the start can rapidly become rather complicated! 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