Home exchanges are becoming popular across the world.
They represent a budget-friendly alternative to renting a hotel room or an Airbnb, where one person swaps their home with another for a short period of time.
Many people will do so using a website, such as HomeExchange, Kindred or Swaphouse. These platforms usually offer some sort of vetting, such as asking for proof of ID and address.
What are the rules in France?
France has strict rules about renting, including for short-term rentals. In many cases, you would need to register with local authorities, and pay tax on your earnings.
READ MORE: What you need to know about renting out your French property on Airbnb
As for home exchanges, they are not regulated. As long as there is no money being exchanged, then it is more or less equivalent to inviting a friend to come stay at your house.
According to the French insurance company Allianz, “home exchanges are not taxable, as no financial transaction takes place between hosts and guests in this context.”
Both owners and tenants can engage in ‘home swaps’, but tenants must inform the landlord, according to the French government website Service-Public.
Tenants should also check to verify that there is not a clause in the lease preventing home exchanges.
If you do not go through a website that creates a formal, signed agreement, you should make one yourself. Be sure to specify the dates of the home exchange, as well as other expectations.
Home insurance
The main aspect you will need to consider is your home insurance contract and how to protect yourself from any possible damage.
The first step would be to check your home insurance contract to see whether home exchanges are covered. If so, you simply need to inform them of the identity of the occupants who will be staying in your home.
If your insurance does not cover home exchanges, then you should contact them to negotiate a new amendment, which would involve adding a supplementary document to your contract.
For those using an online platform to facilitate the exchange, you should also read the terms and conditions for the website for damages and responsibility.
READ MORE: A beginner’s guide to renting property in France
You may want to request that the family staying in your home have a ‘holiday civil liability’ insurance (garantie responsabilité civile villégiature). This could cover them in the event of a fire or water damage.
As for yourself, you will want to ensure that the other party has informed their insurance company you are staying in their home and purchase a holiday civil liability cover for yourself as well.
This may already be part of your home insurance, and if not you may be able to add it on.
Swimming pools
If you own a swimming pool, be sure it is up to all safety standards. If there is an accident and you have not followed the safety rules, then you could be held liable.
READ MORE: What rules do swimming pool owners in France have to follow?
French construction and housing code specifies that personal pools should be fitted with at least one of these four standard safety devices;
- Fencing or walling around the pool, with access by a gate which can be locked (so for example if you have a pool in your garden you should make sure that the garden has a fence or wall around it with a lockable door or gate)
- Alarms fitted which go off when the water is disturbed
- Pool covers fitted that meet safety standards (ie can be walked on without the person falling in)
- Pool shelters (eg a rigid cover, roof or folding roof) that meet safety standards.
All of the above must meet French or EU standards – and you can be fined up to €45,000 if your pool does comply with safety regulations. You can find more specific rules for each safety device here.
I am sure that any fine for non-compliance with safety regulations would only be awarded if the home owner did not comply with the regulations and not as stated, above.