Household liability

The home liability insurance covers you or other beneficiaries of your contract if you cause damage to other people or their property. For example, if your shower leaks and floods the downstairs neighbour's flat, your insurance will pay for the damage.

Yes, if you are a tenant or owner of a condominium (including if you are a landlord).

The difference between personal liability (included in your home insurance) and motor or professional liability lies in the cases of application. In the case of a car, third-party liability (also called third-party insurance) covers you in the event of an accident involving another user (or several). As a professional, civil liability is compulsory for certain professions such as construction professionals, lawyers or doctors, to cover the risk of causing damage to third parties.

Your home insurance certificate can be used to prove your civil liability cover! Go to your policyholder area to download your certificate, nothing could be easier.

Liability insurance applies whenever you, your partner or persons under your responsibility cause damage to property or injury to others through carelessness or negligence. Your insurance will cover the costs of compensating the third party or parties involved.

As with most claims, you have 5 working days to report a claim involving your civil liability. Respecting this deadline is essential to be covered by your insurer!

Do you have home insurance? If so, you and the people in your household are covered: comprehensive home insurance policies include civil liability by default.