What is the best house insurance in France?
For an expatriate in France (foreign worker, student, or retiree), this question is essential.
Beyond the price alone, the goal is to find a reliable insurance policy with solid guarantees, good coverage, and above all, support that is adapted to international profiles.
In France, the home insurance market is one of the most developed in Europe.
You’ll find well-established and highly reputable insurers such as AXA, Allianz, and MAAF, as well as more recent digital players like Acheel and Lemonade.
These companies generally offer home insurance policies covering major risks: fire, water damage, theft, vandalism, natural disasters, civil liability, legal protection, and assistance.
The issue with 100% online insurance platforms is that very often you cannot reach them by phone if you have questions. The quote request forms are simplistic, meaning you can’t specify the unique features of your home (for example, with Acheel, it is not possible to indicate whether an apartment is a duplex). In addition, during the quote simulation, we were unable to specify the type of heating, which is usually an important factor and directly affects the price.
The best home insurance is not the same for everyone. It depends on your status (tenant, homeowner, student), your type of property (house, apartment, etc.), and especially your expatriate situation.
This is precisely why our partner, an Allianz insurance agency specialized in serving English-speaking residents in France, truly stands out.
Our partner agency, which is expert in supporting foreigners, helps you understand every clause of your insurance contract.
It enables you to objectively compare coverage, adjust coverage levels, and avoid unnecessary overlaps or risky exclusions. They will also explain the differences between insurance in France and in your home country.
If you want to know which home insurance is truly the best for you in France, the most effective solution is to contact several insurance agencies that specialize in international profiles.
You will benefit from support in English, clear quotes, promotional rates as a new client, and above all, reliable coverage so you can live or invest in France with complete peace of mind.
Information: We strongly advise against La Banque Postale insurance, as we received feedback from a former client stating that they were unreachable and did not respond following a very serious water damage incident. The client had to fight to obtain the reimbursement they were entitled to. This highlights the importance of choosing a reliable insurer that is easy to contact and able to support you in case of an issue.
Here is a real price comparison study carried out for a 125 m² apartment in France:
- Used as a primary residence by an owner-occupier
- Composed of 6 rooms and a 24 m² garage
- No valuable items
- With a garden and renewable energy installations (heat pump)
- With a pellet stove
- Occupied by two adults
| ALLIANZ Our agency partner Level “1” |
MAAF Level “Essentielle” |
fr.luko.eu Level “Couverture étendue” |
|
|---|---|---|---|
| Type of Agency | Online or local | Online or local | Online only |
| Personal liability coverage: fire and water damage, stays, travel, family events, building ownership, and personal liability | Included | Included | Included |
| Insured household contents | up to €20,000 | up to €42,000 | up to €26,000 |
| Fire and related events, storm, hail, snow | ✔ | ✔ | ✔ |
| Water damage | ✔ | ✔ | ✔ |
| Theft and vandalism | ✔ | ✔ | ✔ |
| Breakage of glass or other property | ✔ | ✔ | ✔ |
| Terrorist acts | ✔ | ✔ | ✔ |
| Natural disasters and technological disasters | ✔ | ✔ | ✔ |
| Property taken on trips or vacations | ✔ | ✖ | ✖ |
| Assistance: legal defense and claims following an accident | ✔ | ✔ | ✖ |
| Indemnification at replacement value | ✔ | ✖ | ✔ |
| Electrical damage / loss of freezer contents | ✔ | ✖ | ✔ |
| Outdoor installations | ✔ | ✖ | ✖ |
| Swimming pool and spa | ✔ | ✖ | ✖ |
| Renewable energy installations | ✔ | ✔ | I couldn’t find the answer when getting the quote |
| Deductibles | €280 | €200 | €300 |
| Cancellation of your previous insurance on your behalf | ✔ | ✔ | ✔ |
| Monthly premium | €383,42/year or €31,46/month | €388,34/year or or additional fees apply for monthly payments | €208,52/year or €17,38/month |
| Current offer | 1 month free at subscription and 1 month free in the first month of the second year (not deducted from the price above) | €100 offered at the subscription of a new contract (not deducted from the price above) | none |
| Customer experience during the quote | very good and conversation in english | very good, but conversation in french | well-designed website, but no phone contact available |
It is important to compare the exact levels of coverage and reimbursement values between insurance companies, as they are rarely the same.
You can obtain the details by requesting the general terms and conditions from the different insurance companies.
As an English speaker, the best choice for guidance and personalized advice is to choose Allianz. If you are looking for the lowest price and a 100% online subscription with no contact with an advisor, then choose Luko.
French house insurance
Get a discounted house insurance rate with Allianz:
Welcome Offer !
2 months free! (1 month free at subscription and 1 month free in the first month of the second year)
