Choosing the Right Home Insurance in France

Why Home Insurance is Essential in France

In France, home insurance (assurance habitation) is mandatory for tenants and highly recommended for homeowners. It provides financial protection against damage, theft, and liability claims. Choosing the right insurance plan is essential to safeguard your belongings and comply with legal obligations.

Types of Home Insurance Coverage

1. Basic Coverage (Multi-Risk Insurance - MRH)

Most home insurance policies in France fall under the category of assurance multirisques habitation (MRH). This type of coverage generally includes:

• Protection against fire, water damage, and natural disasters
• Theft and vandalism coverage
• Civil liability insurance (responsabilité civile) in case of damage caused to third parties

2. Tenant-Specific Insurance

Tenants in France are legally required to have insurance covering damage to the property. Landlords often request proof of insurance before handing over the keys.

A comprehensive tenant insurance policy should include:

• Damage to the rental unit (fire, flooding, explosions)
• Personal liability for damages caused to neighbors
• Protection against theft

3. Homeowner’s Insurance

While not legally required, homeowners should have insurance to cover:

• Structural damage
• Weather-related destruction
• Liability for injuries occurring on the property

How to Choose the Best Insurance Policy

1. Assess Your Needs

Consider the value of your belongings, the location of your residence, and potential risks (e.g., flood-prone areas).

2. Compare Different Providers

Major French insurance companies such as AXA, MAIF, Allianz, and Cautioneo’s insurance partners offer various policies with different levels of protection. Comparing coverage and pricing ensures you find the best deal.

3. Understand Deductibles and Exclusions

Read the fine print carefully. Some policies exclude coverage for high-value items, while others impose high deductibles in the event of a claim.

4. Consider Additional Coverage

Optional add-ons include:

• Legal protection (assistance in case of rental disputes)
• High-value item protection (for jewelry, electronics, etc.)
• Extended liability (coverage for damages outside the home)

FAQ

Is home insurance mandatory for tenants in France?

Yes, tenants must have at least basic coverage to protect against rental damages.

How much does home insurance cost in France?

Costs vary depending on location, property size, and coverage level, typically ranging from €10 to €50 per month.

Can a landlord require specific insurance coverage?

Yes, a landlord may request proof of coverage and can refuse to rent without it.