Non-occupant owner insurance (PNO)
Covers your rented property against claims (water damage, fire, civil liability), even when the tenant is insured or during rental vacancy. Mandatory in co-ownership since the ALUR law.
Insurance broker — Orias No. 25009380
Landlord insurance: PNO, MRH and GLI
Non-occupant owner, home multi-risk, rent-guarantee insurance: Laubja — published by the broker CONSORCES — helps you choose and take out the insurance suited to your rental. Compare cover, get an estimate and subscribe 100% online.
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- Orias-registered broker
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The three essential insurances for landlords
Home multi-risk insurance (MRH)
For a furnished rental or a home you occupy, MRH protects the building and contents against the main risks. The tenant is still required to insure their own rental risks.
Rent-guarantee insurance (GLI)
Compensates the landlord for unpaid rent and often covers damage and legal costs. Subject to conditions on the tenant's solvency (effort rate).
Choosing the right rental insurance
Non-occupant owner (PNO) insurance is strongly recommended for any rented property, and mandatory for co-ownership lots since the ALUR law. It steps in when the tenant is uninsured or under-insured, covers rental vacancy periods and your liability as an owner.
Rent-guarantee insurance (GLI) secures your rental income: it covers unpaid rent, often damage and litigation costs. It assumes a solvent tenant (income generally at least 3 times the rent including charges). Except in specific cases, you cannot combine GLI with a personal guarantor.
Depending on your situation, a home multi-risk (MRH) policy can complete your cover, particularly for a furnished rental. Laubja helps you identify the right combination and compare offers.
A registered broker by your side
Laubja is published by CONSORCES, an insurance brokerage registered with ORIAS under number 25009380 (the register of insurance intermediaries, available at www.orias.fr).
As a broker, CONSORCES advises and supports you from estimate to subscription. No commitment is made until you have validated your contract.
Frequently asked questions
Is PNO insurance mandatory?
It is mandatory for co-ownership properties since the 2014 ALUR law (at minimum a civil-liability cover). For a detached house that is rented out it is not legally mandatory, but it remains strongly recommended: it covers rental vacancy, the tenant's lack of insurance and your liability as an owner.
What is the difference between PNO and MRH?
Home multi-risk (MRH) insures the occupant of the property (tenant or owner-occupier). Non-occupant owner (PNO) insurance covers the landlord who does not live in the property: it steps in to complement, or in the absence of, the tenant's insurance.
Can I combine GLI with a guarantor?
No, as a rule. Since the law of 6 July 1989, a landlord cannot combine rent-guarantee insurance with a personal guarantee for the same lease, unless the tenant is a student or apprentice. You must choose between GLI and a guarantor.
Is Laubja an insurer?
No. Laubja is a property-management tool published by CONSORCES, an insurance broker registered with ORIAS (No. 25009380). We guide you toward suitable contracts and support you, but the risk is carried by the partner insurance company.
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Answer a few questions about your property and your rental: Laubja provides an estimate and supports you through to subscription. No commitment.
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