Non-Occupant Property Insurance (Propriétaire Non Occupant or PNO) helps landlords in France protect their apartments or houses against various risks, whether the accommodation is rented out or temporarily vacant. PNO insurance complements the tenant's home insurance and the condominium building's insurance by covering, depending on the policy, the property owner's civil liability, water damage, fires, explosions, theft, vandalism and certain weather-related events. Under Article 9-1 of the French Law of July 10, 1965, every condominium co-owner, whether occupying their property or not, must have at least civil liability insurance. A PNO policy including this coverage can meet this legal requirement. For an individual house outside a condominium, PNO insurance is generally optional but strongly recommended to protect the owner's real estate investment. Its cost depends on the type of property, floor area, location, insurance coverage, deductibles and compensation limits. As an indication, certain PNO insurance policies may cost between €50 and €200 per year, although an individual quotation is necessary. Premiums may also be tax-deductible under certain rental income tax regimes. Standard PNO insurance does not cover unpaid rent: landlords can take out separate unpaid rent insurance (Garantie des Loyers Impayés or GLI) to protect their rental income. In the event of damage, property owners must notify their insurer promptly, provide the necessary supporting documents and comply with the policy's reporting deadlines. Through its partnership with ASSURIMO, Lodgis offers landlords negotiated PNO insurance conditions, including an advertised 10% discount, subject to contractual terms. This protection helps landlords anticipate the financial consequences of property damage and rent out their accommodation with greater peace of mind.
Do you own an apartment or house that you rent out? Taking out Non-Occupant Property Insurance (Propriétaire Non Occupant or PNO) is an important way to protect your real estate investment, whether the property is occupied by a tenant or temporarily vacant.
But is PNO insurance mandatory? What types of damage does it cover? And how much does it cost?
Discover everything you need to know about this insurance and benefit from the special offer negotiated by Lodgis with its partner ASSURIMO, including a 10% discount, subject to the terms and conditions of the policy.
Non-Occupant Property Insurance, also known as PNO insurance, is designed for property owners who do not personally occupy their accommodation.
It helps protect a property against various risks, whether it is rented out, temporarily unoccupied or awaiting a new tenant.
This insurance complements the protection provided by:
PNO insurance therefore provides additional protection for a landlord's real estate assets, particularly when other insurance policies do not fully cover certain types of damage.
The obligation to take out insurance depends on the type of property and whether it forms part of a condominium building.
Since the French ALUR Law of March 24, 2014, all condominium co-owners, whether they occupy their property or not, must have at least civil liability insurance.
Article 9-1 of the French Law of July 10, 1965 establishes this obligation to cover damage for which a condominium co-owner may be held responsible.
A PNO insurance policy including civil liability coverage can satisfy this legal requirement while providing additional protection depending on the terms of the policy.
If your property is not part of a condominium, taking out PNO insurance is generally not legally mandatory.
However, it remains strongly recommended to protect your property investment and limit the financial consequences of potential damage.
PNO insurance may provide coverage in various situations, particularly when damage is not covered, or is only partially covered, by the tenant's insurance or the condominium's insurance policy.
Depending on the guarantees and exclusions specified in the contract, it may cover:
Some PNO insurance policies also offer additional coverage, such as legal protection or insurance against certain types of damage occurring during periods when the property is unoccupied.
Between tenancies, your property remains exposed to the risk of damage, even though no tenant is present to occupy or insure the accommodation.
Appropriate PNO insurance helps maintain protection during these rental vacancy periods, subject to the terms, limits and exclusions of the policy.
These two types of insurance are complementary, but they do not necessarily cover the same risks.
| Tenant's Home Insurance | Landlord's PNO Insurance |
|---|---|
| Purchased by the tenant | Purchased by the property owner |
| Primarily covers rental risks | Covers the risks specified in the landlord's insurance policy |
| Protects the tenant according to the policy's guarantees | Protects the property owner's insurable interests |
| Applies during the insured occupancy period | May also cover rental vacancy periods |
PNO insurance does not replace the home insurance that tenants are normally required to take out for their primary residence.
The cost of Non-Occupant Property Insurance depends on several factors:
As an indication, Lodgis estimates annual premiums of between €50 and €200 for certain PNO insurance policies. However, the actual price may vary significantly depending on the property and the scope of coverage.
When choosing insurance, it is therefore essential to compare not only prices but also the guarantees provided and any applicable exclusions.
PNO insurance at a preferential rate for Lodgis property owners.
10% OFF Your Insurance Policy*
To help landlords protect their property investments while keeping costs under control, Lodgis has negotiated preferential rates with its partner ASSURIMO, a specialist in real estate insurance.
This offer allows you to benefit from PNO insurance suited to your needs at a negotiated price.
Already insured with another company? ASSURIMO can also assist you with the process of switching insurance providers.
*Subject to the terms, conditions and guarantees of the ASSURIMO insurance policy.
If damage occurs in your property, several steps are required to initiate an insurance claim.
Contact your insurer as soon as you become aware of the incident. Reporting deadlines depend on the nature of the claim and the terms of the insurance policy. For common claims, the reporting period is generally at least five working days, but different deadlines may apply to theft or natural disasters.
Your insurer will review the circumstances of the incident and may request supporting documents or arrange an expert assessment to determine the extent of the damage.
If the incident is covered, the insurer will determine the compensation payable according to the policy's guarantees, deductibles and compensation limits.
For properties located in condominium buildings, owners must have at least civil liability insurance, regardless of whether the property is rented furnished or unfurnished. A PNO policy including this coverage can satisfy the legal requirement.
PNO insurance premiums may generally be deductible from rental income under an actual expenses tax regime, depending on the type of rental and the applicable French tax rules.
They do not provide an additional individual deduction under a flat-rate tax regime.
No. Standard PNO insurance does not guarantee rental payments if a tenant fails to pay their rent.
To protect their rental income, landlords may take out separate unpaid rent insurance (Garantie des Loyers Impayés or GLI).
Yes. It is possible to switch PNO insurance providers, subject to the cancellation rules applicable to your policy. Your new insurer may assist you with the necessary procedures.
As a landlord, protecting your rental property is essential for renting it out with greater peace of mind.
Through its partnership with ASSURIMO, Lodgis offers property owners negotiated PNO insurance rates alongside its furnished rental and property management services.
Benefit from insurance coverage suited to your real estate investment and discover the preferential offer available to Lodgis property owners.
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