Hi not sure how it works, but when we took house insurance out we told them we had two gites attached to the property and wanted them insuring too. These are covered for a certain amount for appliances furniture and liability so i believe. We were told we needed insurance incase of any injury to people even if not actually renting the gite. so we took the whole lot on. Not sure if this is right as we are new to all of this and our french is very very little