A home insurance covers your apartment against theft, fire and floodings.
Garantme can help you subscribe to a housing insurance here: Link to Garantme Housing Insurance
Yes, as a tenant, you must subscribe to a home insurance. You must provide your insurance attestation the day you get your keys, at the latest. If you do not, the landlord can cancel the lease contract immediately.
Because the tenant is responsible regarding the damages he could cause to the apartment or the building. It also protects the tenant against fires, robberies, or water related damages.
No, but it is highly recommended to do so. Indeed, in case of incident, the fees and be spread amongst all the covenants.
Yes, you shall provide such attestation every year. Otherwise, the landlord can cancel the lease contract.
I am staying only 6 months in the apartment do I have to pay for the whole year?
No, you don’t. If you pay your fee annually, you can ask to be refunded for the months during which you will not be renting your apartment or your house. Be careful to cancel the insurance in advance : your must notify the insurer prior to the cancelation date.
If you pay monthly, you just have to cancel your insurance in advance, since you have ro respect a notice period.