Home insurance is essential protection for anyone living in a property, whether as an owner or a tenant. In France, it is both a legal requirement in some cases and a vital safety net against everyday risks (fire, water damage, theft, etc.). For expats or British nationals living in France, it is important to understand the specific features of the French system, which often differs from that of the United Kingdom.
The specifics of house insurance in France
In France, the most common type of home insurance is called “assurance multirisque habitation” (MRH). This is a comprehensive policy that generally includes:
- coverage for damage to the property (fire, water damage, natural disasters, broken windows, etc.)
- liability coverage (damage caused to others by you, your family, or your belongings)
- optional cover (theft, vandalism, legal assistance, etc.)
Insurance is mandatory for tenants, whether they live in furnished or unfurnished accommodation. For owner-occupiers, it is not legally required but strongly recommended.
France vs United Kingdom: what are the differences?
The main difference between the French and British systems lies in the level of obligation. In the UK, home insurance is not legally required, even for tenants. However, lenders usually require it when taking out a mortgage.
In France, liability insurance is included in most contracts, whereas in the UK it may be optional or purchased separately. Also, in France, many policies automatically cover outbuildings (garage, cellar, conservatory), which is not always the case in the UK.
Another key difference is the separation between “buildings insurance” and “contents insurance” in the UK. In France, these two are usually combined into one MRH policy, making things simpler for the policyholder.
Second home insurance is often cheaper
Owners of a second home in France often benefit from lower home insurance rates. Why? Because these homes are generally used less frequently and are therefore less exposed to day-to-day risks like water damage or fire.
However, certain risks such as burglary during periods of absence may be higher. This is why it’s advisable to add specific options (alarm system, remote surveillance, etc.), which can also help reduce your premium.
Documents required to take out home insurance
Taking out home insurance in France is a quick and simple process, especially thanks to digital procedures. During your meeting with an insurance advisor or when subscribing online, you’ll need to provide basic information such as:
- a valid ID (copy of passport or identity card)
- a bank account number (RIB) for direct debit payments
- information about the property: address, size, number of rooms over 9 m², type of heating (fireplace, heat pump), additional features (garage, cellar, pool, etc.)
- your occupancy status (owner-occupier, non-occupant owner, tenant, flatmate)
- the estimated value of furniture and valuables (jewelry, artwork, electronics, etc.)
Once these details are collected, the insurer will send you a personalized quote, followed by an electronic contract to sign. Coverage usually starts immediately after signing.
Conclusion
Home insurance in France offers extensive and accessible coverage, though it is structured differently from UK policies. Whether you’re a full-time resident, second home owner or tenant, it’s essential to choose a policy suited to your situation. Thanks to simplified procedures and often competitive pricing, protecting your home in France has never been easier. If you’d like to request a quote online, contact the English-speaking Allianz agency in France to speak with an advisor in English who can quickly send you a personalized quote.
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