Who are the people considered as insured?
The following people can be considered as the insured under a fire insurance policy (home insurance):
The policyholder
The policyholder is of course by definition an insured. There is therefore a way to extend the number of insured by designating several policyholders under the fire insurance contract;
People living in his household
These are the people effectively forming a community of life with the policyholder. They must actually and usually participate in the household. To solve the problem of the possible separation of de facto cohabitants, it is recommended to designate them together as lessees;
Their staff in the performance of their duties
When not in office, staff members are considered third parties. The concept is broader than in the context of a Civil Liability Private Life (RC Private Life), which is limited to housekeepers and family helpers;
The agents or partners of the lessee in the performance of their duties
The reason is simple: fire insurance can also cover businesses. The policyholder can be a legal person, so its agents and partners are therefore covered within the framework of their professional functions;
Any other person mentioned as insured in the insurance contract
The status of insured can effectively be attributed to natural or legal persons other than those defined as “insured” by the legislation. Examples of possible contractual extensions:
hosts (not members of the household);
attendants (broader concept than staff)
