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Home insurance - Responsabilite Civile Vie Privee


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Hello

I was wondering how necessary
"Responsabilite Civile Vie Privee" cover is for house insurance? Does pretty much everyone take this or is it even a legal responsibility? If it's relevant, it will be for a residence secondaire used for probably 90 days per year..

Many thanks..

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The reason I ask is that in the devis from AXA I just received, it gives me my "Formule Confort" (vandalism etc etc) and underneath quotes "Vous n'avez pas souscrit la guarantie responsabilité vie privée" in bold text..

I wasn't sure if I needed to now request this or indeed if I really needed it?

Many thanks..

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