By law you must have third-party insurance for your property.
The notaire will check that you have such insurance before
the formal signing of the Acte de Vente. In practice this
is not too traumatic, as it is common for the purchaser to
take over the insurance policy from the vendor.
This insurance, like third-party motor insurance, is designed
to provide a guaranteed fund against which third-parties can
seek recourse if you are deemed liable for damage. To take
a simple example it will cover you if a roof tile blows off
and injures your neighbour.
There is no legal requirement to insure your property against
fire, flood, storm damage or earth movement, nor the contents
Fortunately, theft is very rare in the Languedoc, except
in cities. In the countryside you are generally safe, except
that your cherries from your remote cherry might mysteriously
disappear overnight. You are particularly safe in villages.
One type of property that is particularly vulnerable is the
remote farmhouse used as a holiday home, especially if it
has two separate access roads. If you own such a property
you should employ a guardian. This can be expensive, but without
it you stand a chance of loosing your furniture, kitchen equipment,
bathroom fittings, fireplaces, radiators, boiler, stoves,
doors, carpets, shutters, windows, locks, garden ornaments,
and so on, perhaps even your roof tiles. The alternative is
special insurance for holiday properties.
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