Home Insurance
Your home will be covered with reinforced guarantees with numerous extensions (household accidents, damage to household appliances, replacement of keys and locks in the event of theft, etc.)
Modular contracts with numerous guarantees offered as options (no excess, extensive glass breakage, damage to swimming pools and garden furniture, liability for dangerous dogs, etc.)
Quote sheet
Frequently asked questions about home insurance
Is home insurance mandatory in France?
Yes, in two specific cases: for any tenant renting their main residence (Article 7 of Law No. 89-462 of 6 July 1989), who must hold cover for tenant liability risks and provide proof to the landlord; and for every co-owner, whether occupying or not, as well as the co-ownership association itself (Article 9-1 of Law No. 65-557 of 10 July 1965, introduced by the 2014 ALUR law). An owner-occupier of a standalone house outside a co-ownership scheme has no such legal obligation, although a mortgage lender may still require it.
What does a comprehensive home insurance policy cover?
There is no single legal definition: the cover usually offered includes fire and explosion, water damage, theft and vandalism, natural disasters (a separate legal regime under Article L125-1 of the Insurance Code), glass breakage, and private-life liability. The exact scope remains contractual and varies between insurers.
How do I cancel my home insurance policy?
As with car insurance, the Loi Hamon (Article L113-15-2 of the Insurance Code) lets you cancel a policy of more than one year at any time, free of charge, taking effect one month after your request.
What is "private-life liability" cover?
This is a guarantee usually included in comprehensive home insurance policies, covering bodily, material or intangible damage unintentionally caused by you or members of your household to a third party, outside of motor vehicle use. It is a contractual clause rather than a separate legal requirement.
As a landlord, am I required to insure my rental property?
If your property is part of a co-ownership scheme, yes: the ALUR law (Article 9-1 of the Law of 10 July 1965) requires every non-occupying co-owner to hold liability insurance. If your property is a standalone house outside a co-ownership scheme, there is no general legal obligation, but non-occupier owner insurance ("assurance PNO") is strongly recommended to cover your liability and any vacancy periods.