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19:40 Nov 26, 2013
French to English translations [PRO] Law/Patents - Insurance / holiday rentals
French term or phrase:le contrat multirisque de l'habitation principale
Les locataires déclarent que leur contrat d'assurance personnel couvre les risques de la
location saisonnière (inclus en général dans le contrat multirisque de l'habitation principale).
Hi this is a holiday rental agreement for a ski chalet, under the heading "Insurances".
I would have thought that the "le contrat multirisque de l'habitation principale" would be taken out
by the Landlord and so don't quite understand what it's doing in this section. Unless it actually means that the "l'habitation principale" is simply a clause within a multi-risk insurance policy.
If you rent a property, then insurance is a statutory requirement for your main residence. Any holiday rental through legal channels will require liability insurance and you won't get the key to the property unless and until proof has been provided! As Tony says, and as your text indicates, that is generally part and parcel of standard house insurance in a "clause villégiature" for example. Insurance companies provide an "attestation d'assurance villégiature" which generally satisfies those who are renting out the property.
Over here, most people who have their own house insurance for their main home ('habitation principale') have included within it (as your text says) cover for a rented holiday home. So the landlord will have an overall buildings policy, for example, and expects tha tenants to have their own cover already, for tenant's liability — or to take it out specially, of course, if they haven't.