PNO (Non-Occupying Owner) insurance covers vacant or rented accommodation against losses (fire, water damage, natural disasters), the owner's civil liability, and offers useful options such as legal protection or compensation for lost rent to secure your investment.
As a non-occupying landlord , your property is exposed to risks that are not always covered by tenant or co-ownership insurance. PNO insurance is designed to complement these protections: it covers damages, defends your civil liability, and contributes to the stability of your rental income. Here's everything you need to know to effectively secure your assets.
1. What is PNO insurance and who is covered?
PNO insurance protects accommodation that you do not reside in, whether it is vacant , rented or left free of charge.
It is obligatory if the property is located in co-ownership , under the ALUR law (2015) , but strongly recommended in all cases to avoid open areas.
2. Basic guarantees offered by a PNO
2.1 Owner's Civil Liability
It covers damage caused to others (neighbors, third parties) by your property — even if the tenant is insured .
2.2 Damage to housing
Fire, water damage, glass breakage, natural disasters, vandalism — these are generally guarantees included in the PNO .
2.3 Rental vacancy & claims not covered by the tenant
It intervenes in addition to the tenant's insurance, or in the event of prolonged vacancy, to avoid the absence of coverage .
3. Useful options to secure your rents
3.1 Legal protection
This guarantee covers costs in the event of a dispute with the tenant, neighbors or the trustee .
3.2 Loss of rent
Has your property become uninhabitable following a disaster? The PNO can include compensation for rent lost during the work. .
3.3 Unpaid rent & damage
Some high-end packages include these covers, which are very useful for furnished or seasonal rentals. .
4. Good practices for subscribing to a PNO
- Check if your property is co-owned : if so, PNO civil liability insurance is legally required .
- Compare the guarantees : choose an offer that includes civil liability, current claims, personal injury and, if necessary, loss of rent.
- Take advantage of tax benefits : the PNO bonus is deductible from property income .
- Subscribe upon purchase : any period not covered exposes the property to full risk.
Conclusion
PNO insurance is a pillar of worry-free rental management—it covers your liability and protects your income and property, even in the absence of a tenant or when coverage is insufficient. With KT Assur&Bank , request a personalized audit of your situation to get the best PNO coverage aligned with your wealth goals.