House Insurance France

The price depends on several factors: the type and location of your property, its surface area, how much you insure the contents, your chosen deductibles, the type of heating and security measures (alarms, locks…).
Standard multi-risk policies cost on average around €168 per year for a flat, €480 for a house (125m²) though that varies by region.

Fire

Storm, snow, hail

Water damage

Terrorist attacks

Natural and technological disasters

Legal defense and claims after an accident

Belongings taken on trips and vacations

Civil liability: fire / water damage / private life / travel / family events / building owner

Yes, there are insurers and brokers that specialize in serving expatriates and provide information, quotes, and support in English.
Using a bilingual broker can help you navigate French insurance terms and make sure you understand exactly what your contract covers. Our Partner Allianz can help you, please fill the form to request a call back.

• Install security measures: alarm, quality locks, smoke detectors
• Choose a higher deductible (franchise) if you can cover small claims yourself
• Do not overvalue your belongings: declare a realistic amount for your contents
• Compare policies each year to adjust coverage according to your situation

1. Notify your insurer quickly, according to the deadlines indicated in your contract usually 2 days)
2. Keep all evidence: photos, invoices, police or gendarmerie reports if necessary
3. If you have language difficulties, ask your English-speaking agent to assist with communication

To cancel your home insurance policy in France, follow these main steps:

1. 1. 1. Check the Date and Duration of Your Policy: Most policies have a one-year term and are automatically renewed. You can cancel at any time after the first year thanks to the Hamon Law.
   1. 1. Prepare Your Notification: You must send a cancellation letter to your insurer (by mail or email, depending on your contract). Include:
         • Your personal details and policy number
         • The desired cancellation date
         • Reference to the Hamon Law if applicable
   1. 1. Respect the Deadlines
         • After the first year: cancellation is possible at any time with a one-month notice
         • Before automatic renewal: send your request at least two months before the renewal date if the Hamon Law does not apply
      2. Keep Confirmation: Request written confirmation of the cancellation to avoid any disputes.
   1. Special Cases
      • Sale of the Property: You can cancel the policy immediately
      • Changing Insurers: Your new insurer can sometimes handle the cancellation of your old policy

In summary, the key is to notify your insurer in writing, respect the legal deadlines, and keep proof of the cancellation.

Yes, it is possible.

If your policy includes an annual adjustment clause, the insurer can modify the amount of your premium each year. You can, however, refuse this increase by canceling your policy due to a premium rise, provided you do so within 15 days of receiving your renewal notice.

Some policies also use an indexation mechanism to adjust the premium. In this case, the change in your premium and coverage is linked to an index reflecting price increases in a specific sector, such as the reference index of the French Building Federation (FFB).

If your policy is indexed, the level of the index used to calculate your premium must be indicated on your renewal notice.

With our partner Allianz, if you request a quote and sign electronically, your coverage can start the same day or on the date you choose in your policy.