Under the Napoleonic Code, a tenant may be presumed liable for fire, water, or explosion damage that originates on the insured's premises and spreads to premises occupied by other tenants. A landlord may also be liable for maintenance or constructional defects. Coverage includes the following.

• The liability of tenants, meaning the financial consequences of the insured's liability as a tenant to the landlord
• The liability of neighbors, meaning the financial consequences of the insured's liability for damage to property of other tenants in the same building
• The liability of the landlord, meaning liability imposed on the insured as a landlord for constructional defects or lack of maintenance