I create a new thread because the previous topic was closed, but this is essentially a further information about this: tripadvisor.com/ShowTopic-g187147-i14-k37164…
Among other things said in that thread was that renting short term is actually illegal in France and cannot be insured. This is only partially true.
I am the owner of a flat that I rent out, not in Paris but in a nearby town, and I had to figure out about the regulation and insurances. Here is what I found out.
The main distinction to be made is whether the flat is rented furnished or unfurnished.
If unfurnished, the minimum legal agreement is one year, and the tenant has to get an insurance, called "assurance habitation". Usually you cannot get the keys without a proof that you have such an insurance. Also, the deposit is strictly regulated for such a rental.
Now, if furnished, there are virtually no regulation. Deposit amount can be set to whatever level, and it can be legally rented for a very short time. Although the same type of insurance is mandatory for the flat, it can either be taken by the tenant, or by the owner. In this last case, the owner takes an "assurance habitation" just as if he lived in the flat himself, still declaring that the destination of the flat is to be rented out. That way the insurance is not tricked and cannot refuse to pay if something happens. In this case if the owner does not declare things properly to his insurance company, he's the one in trouble, not you, and he cannot ask you to pay anything because of it.
Then as far as the insurance is concerned, it works just as if the renter was a mere guest: if anything happens were the tenant is not responsible (burglary, natural disaster, damages not caused by the tenant...) the owners insurance will pay, according to the terms of the contract.
In case of damages caused by the tenant, his personal insurance covers it, just as when you visit someone and break something: the owner's insurance company will contact the tenant's insurance company and get the money from them.
So as a summary:
- unfurnished flat: long term only, you need to have an insurance
- furnished flat: short term possible, you need to have an insurance only if the owner does not have one. Just check with him about it.
I hope this can help someone :)