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Instant certificate, 24/7Online · in an agency · by phonePNO insurance: non-occupying owners, take it out online
Letting a property, or leaving it empty between tenants? Non-occupying owner insurance (PNO) protects your property and your liability as a landlord. Sign up online, or with an adviser for a tailor-made review.
Get a free call back
A CSPM adviser will get back to you: in an agency, by phone or online.
How do I take out a policy?
Online when the product allows it; otherwise with an adviser by phone, in an agency or after a call back.
In an agency
Cannes agency (4 rue Borniol) or Paris 18e agency, Montmartre.
Key points
- Protects the property: fire, water damage, weather events, vandalism, depending on the plan
- Covers your liability as an owner, including towards neighbours and third parties
- In a co-owned building, a PNO policy covering at least third-party liability is compulsory, according to the DGCCRF
- Squat guarantee option available, depending on the plan
- Online sign-up possible; personal advice by phone or in an agency
Related terms and searches
Non-occupying owner insurance (PNO)
Other ways to say it: PNO insurance France, non-occupying owner insurance France, landlord insurance France, buy-to-let insurance France, insurance for rental property in France, insurance for empty property France, insurance for property investment France, landlord insurance for foreign owners France, vacant property insurance France, co-ownership owner insurance France.
Frequently asked questions
Is PNO insurance compulsory?
According to the DGCCRF, it is not compulsory for a let property outside co-ownership, but in a co-owned building a non-occupying owner policy covering at least third-party liability is compulsory.
What does PNO insurance cover?
It protects the property against standard risks (fire, water damage, natural disasters, damage) depending on the cover chosen. It does not replace the tenant’s insurance.
Can I take out PNO insurance online?
Yes, PNO sign-up is possible online. For a particular situation (whole building, empty property, building works), an adviser reviews your file.
To go further (official sources, in French): DGCCRF – Assurance de la location immobilière : lisez bien les contrats !. General information only: your policy document prevails.
Cities, départements and regions (pages in French)
Our agencies: Cannes and Paris 18e
Cannes agency
4 rue Borniol, 06400 Cannes
Monday to Saturday, 9am–9pm · French and English
04 22 46 21 83
Paris 18e agency · Montmartre
An agency in Montmartre, in the 18th arrondissement of Paris. There are several agencies in Paris: the exact address is given to you when you book your appointment.
This site is translated to help you. Conversations with our advisers are held in French or English.