Owning a second home in the Alps is a dream come true, but it comes with responsibilities — especially when it comes to insurance. One important detail that many owners overlook is the clause d’inhabitation found in most French home insurance contracts.

What is the clause d’inhabitation?

It’s a clause that specifies how long your property can remain unoccupied before certain guarantees are reduced or no longer apply. This often concerns theft, vandalism, or even water damage.

How long can your home be left empty?

The answer depends on your insurer. Some contracts set the limit at 30 days, others at 60 or 90 days. Beyond this period, claims related to certain risks may not be covered.

Why does this matter for second-home owners?

Secondary homes are, by nature, empty for long stretches of the year. Insurers see this as a higher risk, so they either charge higher premiums, or they require specific guarantees for properties classed as résidences secondaires.

What should you do?

1. Read your conditions générales — this is where the clause d’inhabitation will be written.
2. Ask your insurer if your policy includes an option or extension tailored for second homes.
3. Keep proof of regular visits — some insurers are reassured if you can show the property is being checked.

How a conciergerie can help

While we don’t arrange insurance ourselves, at Pure Montagne Conciergerie we can support you with the administrative side:

• Reviewing French documentation and explaining the key points in English.
• Helping you communicate with insurers or brokers.
• Carrying out regular checks on your home so you can demonstrate that the property is being supervised.

✨ With the right insurance and local support, you can enjoy your Alpine home with complete peace of mind.

⚠️ This blog/article is informational only – we are not acting as an insurance broker, just offering awareness and support.