I hate to belabor this point, but I'm still confused. I'm renting a furnished apartment in Paris for the month of April, 2010, and have been advised to obtain liability insurance, along with the standard trip cancellation insurance. Another online search indicated that a tenant is not required to have liability insurance if the apartment is furnished. A large clearing house in the US (which covers many types of policies) does not have the liability insurance available, which seems odd to me if this is such a common process. Can you please direct me to the definitive answer? I want to comply with regulations, but I don't want to buy something not necessary. There is already a mandatory 300 Euro fee as a security deposit.