Understand before choosing
A review centred on your circumstances.
In France, tenants must at least insure rental risks. In a co-owned building, each co-owner must hold civil-liability cover.
What comprehensive home insurance may cover
Depending on the policy, home insurance may combine cover for fire, water damage, theft, weather events, personal liability and assistance services. Limits, deductibles and exclusions differ between insurers and should be reviewed carefully.
Tenants and owners have different needs
A tenant must at least insure rental risks. An owner-occupier of a standalone property is not subject to a general obligation to buy home insurance, but remains liable for damage caused to others. In a co-owned building, each co-owner must carry civil-liability cover.
What we compare
We review the value of belongings, outbuildings, valuables, deductibles, compensation limits, required prevention measures and key exclusions. A main home, second home and rented property do not create the same insurance needs.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Is home insurance compulsory for a tenant in France? +
Yes. A tenant must at least insure rental risks, including damage to the rented property caused by events such as fire, explosion or water damage.
Must an owner-occupier always have home insurance? +
Not in every situation. There is no general home-insurance obligation for an individual house outside co-ownership, but every co-owner in a co-owned building must hold civil-liability insurance.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.