"The insurance should cover the cost of repairs or rebuilding including permanent fixtures and fittings within the property, such as fitted kitchens and bathrooms due to damage caused by : natural disasters, floods, fire, storms, burst pipes, explosions, lightning and theft. It should also give you civil liability insurance (responsabilitée civile propriétaire)."
www.cotedazurrental.com/french_property_insurance.htm -

"Home insurance. Unlike in the UK, in France it is a legal requirement that you ... French law requires that every person must have a civil liability policy. ..."
www.languedoc-roussillon.eu.com/Buying property.html -