{"id":1704,"date":"2025-11-29T18:00:05","date_gmt":"2025-11-29T17:00:05","guid":{"rendered":"https:\/\/clm-conciergerie.fr\/?p=1704"},"modified":"2025-12-28T23:06:32","modified_gmt":"2025-12-28T22:06:32","slug":"lmnp-quelles-assurances-sont-vraiment-necessaires","status":"publish","type":"post","link":"https:\/\/clm-conciergerie.fr\/en\/lmnp-quelles-assurances-sont-vraiment-necessaires\/","title":{"rendered":"Seasonal lettings: what insurance do you really need to be well covered?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>(PNO, traveller's insurance, Airbnb AirCover, deposit... simply explained)<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Renting accommodation on a seasonal basis or on Airbnb very quickly raises an essential question:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>\u201cIf a passenger damages something, who pays? And what does insurance really cover?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Between the PNO, the traveller's home insurance, AirCover, Booking or the deposit, it's hard to find your way around.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1\ufe0f\u20e3 Homeowner's insurance: PNO (Propri\u00e9taire Non Occupant)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">It is <strong>the most important insurance<\/strong> for owners of holiday lets.<br>It covers the home when it is rented, vacant or occupied by someone else.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f What a PNO covers<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>water damage<\/li>\n\n\n\n<li>fire, explosion<\/li>\n\n\n\n<li>defects in the property (old appliances, faulty electrical installation, etc.)<\/li>\n\n\n\n<li>damage to neighbours<\/li>\n\n\n\n<li><strong>burglary<\/strong> (\u26a0\ufe0f not theft by tenant)<\/li>\n\n\n\n<li>outdoor vandalism<\/li>\n\n\n\n<li>owner's civil liability<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c What the PNO does not cover<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>theft committed by the traveller<\/li>\n\n\n\n<li>deliberate damage<\/li>\n\n\n\n<li>linen, crockery, decoration<\/li>\n\n\n\n<li>a little everyday breakage (see deposit)<\/li>\n\n\n\n<li>damage caused by the tenant (covered by their insurance)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>This is the insurance that protects the dwelling itself.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2\ufe0f\u20e3 Traveller's insurance: \u201choliday\u201d insurance\u201d<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Most home insurance policies also cover holidays.<br>This is known as <strong>holiday guarantee<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It covers <strong>accidental damage caused by the traveller<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f What travel insurance covers<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>fire started by mistake<\/li>\n\n\n\n<li>water damage caused by mishandling<\/li>\n\n\n\n<li>furniture broken by accident<\/li>\n\n\n\n<li>unintentional staining or damage<\/li>\n\n\n\n<li>damage caused to neighbours (e.g. leakage to the flat below)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c What the holiday does not cover<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>theft committed by the traveller<\/li>\n\n\n\n<li>deliberate damage<\/li>\n\n\n\n<li>normal wear and tear or defects in the dwelling<\/li>\n\n\n\n<li>leaks from old appliances<\/li>\n\n\n\n<li>electrical installation problem<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>It is the insurance that covers the traveller's liability, not the accommodation.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd0d IMPORTANT :<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The resort works <strong>whatever the channel<\/strong> (Airbnb, direct, Booking...),<br>but <strong>certificates can only be requested for direct bookings<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3\ufe0f\u20e3 Airbnb AirCover: useful, but clearly limited<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Airbnb highlights <strong>AirCover<\/strong>, presented as protection \u201cup to 3 million\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But be careful:<br>\u27a1\ufe0f <strong>This is not insurance.<\/strong><br>\u27a1\ufe0f Airbnb can accept... or refuse according to its own rules.<br>\u27a1\ufe0f No legal recourse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f AirCover works well for :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>damaged bedding<\/li>\n\n\n\n<li>small broken items<\/li>\n\n\n\n<li>very dirty cleaning<\/li>\n\n\n\n<li>obvious damage<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c AirCover works very poorly for :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>theft by the traveller<\/li>\n\n\n\n<li>major damage<\/li>\n\n\n\n<li>structural damage (leaks, electricity, obsolescence)<\/li>\n\n\n\n<li>unbilled items<\/li>\n\n\n\n<li>deliberate damage<\/li>\n\n\n\n<li>\u201cnormal wear and tear\u201d (a word much used to refuse)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>AirCover = a little extra, not at all a reliable insurance system.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4\ufe0f\u20e3 Booking: no insurance included<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Booking does not provide <strong>no cover<\/strong> for homeowners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If there is a problem, management is based on :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the PNO<\/li>\n\n\n\n<li>the deposit<\/li>\n\n\n\n<li>discussion with the traveller<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">5\ufe0f\u20e3 The deposit: essential for minor breakages<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The deposit is the <strong>practical addition<\/strong> insurance.<br>It covers :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f Minor breakage or loss<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tableware<\/li>\n\n\n\n<li>glasses<\/li>\n\n\n\n<li>missing linen<\/li>\n\n\n\n<li>small decorative element<\/li>\n\n\n\n<li>abnormally dirty household<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c The deposit never covers<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>extensive damage<\/li>\n\n\n\n<li>major losses<\/li>\n\n\n\n<li>major theft<\/li>\n\n\n\n<li>housing damage<\/li>\n\n\n\n<li>fire \/ water damage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 It is only used for <strong>immediate costs<\/strong>, uninsurable.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">6\ufe0f\u20e3 Clear table: who covers what?<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Situation<\/th><th>Travel insurance<\/th><th>Owner's PNO<\/th><th>Airbnb AirCover<\/th><th>Deposit<\/th><\/tr><\/thead><tbody><tr><td>Furniture broken by accident<\/td><td>\u2714\ufe0f<\/td><td>\u274c<\/td><td>\u26a0\ufe0f possible<\/td><td>\u2714\ufe0f<\/td><\/tr><tr><td>Very dirty cleaning<\/td><td>\u274c<\/td><td>\u274c<\/td><td>\u274c<\/td><td>\u2714\ufe0f<\/td><\/tr><tr><td>Missing linen \/ broken crockery<\/td><td>\u274c<\/td><td>\u274c<\/td><td>\u274c<\/td><td>\u2714\ufe0f<\/td><\/tr><tr><td>Leak linked to an old appliance<\/td><td>\u274c<\/td><td>\u2714\ufe0f<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Fire caused by the passenger<\/td><td>\u2714\ufe0f<\/td><td>\u2714\ufe0f supplement<\/td><td>\u26a0\ufe0f<\/td><td>\u274c<\/td><\/tr><tr><td>Appliances damaged by obsolescence<\/td><td>\u274c<\/td><td>\u2714\ufe0f<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Theft by the traveller<\/td><td>\u274c<\/td><td>\u274c (excluding break-ins)<\/td><td>\u26a0\ufe0f very rare<\/td><td>\u274c<\/td><\/tr><tr><td>Deliberate damage<\/td><td>\u274c<\/td><td>\u274c<\/td><td>\u26a0\ufe0f rare<\/td><td>\u274c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">7\ufe0f\u20e3 What about CLM's RC Pro?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">CLM's professional liability policy does not cover the traveller's actions, but it does cover <strong>professional errors<\/strong> :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f Covered by CLM<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>door not properly closed by an agent<\/li>\n\n\n\n<li>window left open<\/li>\n\n\n\n<li>key box code not changed<\/li>\n\n\n\n<li>lost keys<\/li>\n\n\n\n<li>failure to comply with entry\/exit protocol<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c Not covered<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>theft or breakage by the traveller<\/li>\n\n\n\n<li>damage caused by the traveller<\/li>\n\n\n\n<li>home-related claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 CLM protects against its own mistakes, never the traveller's.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">8\ufe0f\u20e3 The best protection package for homeowners<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">To be truly covered, you need to combine :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Home insurance (PNO solid)<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Traveller's insurance (operated directly)<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Suitable deposit<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 AirCover in addition (Airbnb only)<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Rigorous checks after each stay<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 Concierge services covered by professional liability insurance<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714 A precise inventory + photos<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">That's what CLM is doing to make homeowners feel more secure.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\ud83c\udfaf To sum up<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even if no system covers everything, the combination of <strong>PNO + traveller's insurance + deposit + AirCover (for Airbnb) + CLM check<\/strong> covers <strong>almost all risks<\/strong> seasonal rental.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And for the rest (deliberate theft, bad faith, risky behaviour),<br>CLM screens, secures and supervises travellers to minimise disputes.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Element<\/th><th>What's it for?<\/th><th>Reliability?<\/th><th>Actual coverage<\/th><\/tr><\/thead><tbody><tr><td><strong>PNO<\/strong><\/td><td>Damage to dwelling, landlord's liability<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>Indispensable<\/td><\/tr><tr><td><strong>Tenant \/ holiday insurance<\/strong><\/td><td>Damage caused by the tenant<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>Very useful<\/td><\/tr><tr><td><strong>AirCover<\/strong><\/td><td>Airbnb's way of reassuring<\/td><td>\u2b50\u2b50\u2729\u2729\u2729<\/td><td>Partial coverage, non-contractual<\/td><\/tr><tr><td><strong>Deposit<\/strong><\/td><td>Minor damage, cleaning, laundry<\/td><td>\u2b50\u2b50\u2b50<\/td><td>Practical complement<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Renting out accommodation seasonally or on Airbnb very quickly raises an essential question \ud83d\udc49 \u201cIf a traveller damages something, who pays? And what does insurance really cover?\u201d<br \/>\nBetween the PNO, the traveller's home insurance, AirCover, Booking or the deposit, it's hard to find your way around.<\/p>","protected":false},"author":1,"featured_media":1721,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,2],"tags":[],"class_list":["post-1704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bons-plans","category-lois"],"_links":{"self":[{"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/posts\/1704","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/comments?post=1704"}],"version-history":[{"count":0,"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/posts\/1704\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/media\/1721"}],"wp:attachment":[{"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/media?parent=1704"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/categories?post=1704"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clm-conciergerie.fr\/en\/wp-json\/wp\/v2\/tags?post=1704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}