A tenant is therefore the person who in return for remuneration (rent) receives the use of a building or part of a building belonging to a third party. The lessee is contractually responsible vis-à-vis the lessor for damage caused to the leased property, on the basis of articles 1732, 1733 and 1735 of the Civil Code. He therefore has an insurance interest consisting in preserving his assets against a liability debt. In addition, the tenant also has an extra-contractual liability vis-à-vis third parties (art. 1382 and following of the Civil Code), by which means a debt vis-à-vis other people living or not in his household.
Note that the tenant is presumed responsible for any damage to the rented property.
Article 1732 of the Civil Code creates a presumption of liability on the tenant for damage and losses that occur during the rental period. This means that, in order to be exempt from liability, the tenant must himself prove that the damage occurred without his fault. If he is able to prove that he does not have his share of responsibility for the damage caused to the property of the lessor, then his liability will not be engaged.
Its responsibility is general. It is therefore not limited to insurable damage! All damage and loss are not insured, which is why owners protect themselves against recourse to the tenant.