Recent normative requires for owners of properties for tourist license activity to obtain a Civil Liability Insurance to their properties.
This insurance must cover exclusively accidents that guests may suffer during their stay. For example, a fall in the bathroom with creates personal injury in the guest.
But, other damages caused by the guests to the property, or to third parties, must be covered by the standard Home Insurance of the property. So, for example, in case the bathroom fall, the “repair” of the bathroom must be covered by the normal Home Insurance.
And, other example, in case the guest throws a flower pot to the street and injures a pedestrian, such injury must be covered by the civil liability covering of your Home Insurance.
For this reason, it is important to contract both the civil liability of the home and the multi-risk home insurance.
In any case, Civil Liability Insurance for Tourist Rent properties is very important because in case of claim from the guests, the owner will be responsible if no insurance is previously contracted.