That is the question being asked by Boris on his France This Way site after going through the process of renewing the insurance on the gites he has.
A casual remark about feeling safe in the knowledge that he is covered should anything nasty happen to the property, was soon brought to a halt when he was told that the insurance of guests covered the building not the cover he had just bought.
He was told that whilst many French holiday makers will have cover for damage they cause whilst in a holiday home, Brits and possibly other guests from elsewhere might not be covered.
He soon realised that his French insurance company doesn't cover him for something as catastrophic as his holiday home burning down, and that when British holiday makers stayed in his gites there was no protection for damage.
It is possible that the travel insurance of guests may cover them should they damage the place they are staying in, but it is something that would have to be checked.
One possible solution could be to buy insurance for your holiday home through a UK supplier as the cover should extend to guests, although whether an insurance firm would be willing to sell a policy to someone considered resident in France opens up another can of worms.
Boris has decided to pay more to get improved insurance cover, saving himself a costly shock to the wallet should something terrible befall his holiday homes.
Have you had a similar experience, or do you have any advice you can pass on to other owners? Please feel free to leave a comment below.