What is the purpose of civil liability in home insurance?

It exists private liability insurance which covers damage you may cause, and occupant and/or non-occupant owner civil liability coverage, which is integrated into home insurance contracts. If you own real estate that you do not occupy as your principal residence, this guarantee applies to damage caused to neighbors or third parties following a fire, explosion, damage water from your property. This is the case, for example, if electrical equipment catches fire in your property and it ignites the neighboring dwelling.

Are you a tenant of your home? The civil liability guarantee covers you if you are the cause of material damage caused to movable or immovable property belonging to the ownerto third parties, to neighbors but also resulting from a fire, an explosion or water damage.

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