Costing approximately 214 €/year per household, home insurance, although not always mandatory, is always highly recommended. The main advantage is the compensation in case of damage. It is essential to choose the contract that best suits the type of accommodation and your budget. We have gathered here the best home insurance policies to help you choose.
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Our selection
"A subsidiary of the Covéa group, MMA is a mutual insurance company that offers several home insurance packages. You can choose the guarantees included in…"
"Protect your home and your loved ones effectively by choosing an insurance policy that is made for you. Axa offers you essential guarantees to cover…"
"Discover in a few clicks the particularly advantageous formulas offered by Direct Assurance. Note that this group was elected customer service of the year."
"Groupama offers a wide range of home insurance products for all profiles. Attractive rates, a wide choice of guarantees and quick compensation are among the…"
"Luko is a specialist in new home insurance and offers very attractive coverage and prices. A wide choice of contracts adapted to all homes and…"
A subsidiary of the Covéa group, MMA is a mutual insurance company that offers several home insurance packages. You can choose the guarantees included in your contract and benefit from very satisfactory top-of-the-line services.
From €5.77/monthChoose from the three plans offered by MMA (Mini Prix, Essentiel and Confort). Each plan includes offers and rates adapted to your profile, but also to the home you intend to insure. Each offer comes with customization options to modify the terms of the contract according to your needs. You will have the possibility to reinforce your insurance to face climatic events or in case of theft of your leisure equipment.
You can also opt for reinforcements that include extended coverage for facilities such as swimming pools and outdoor furniture. At MMA, home insurance is a service that can be fully customized according to your needs, your means and the requirements of your home.
Protect your home and your loved ones effectively by choosing an insurance policy that is made for you. Axa offers you essential guarantees to cover damages such as fire and other acts of vandalism.
From 2.92 €/monthIf you are looking for an insurance contract that will cover you in case of water damage and compensate you if you are the victim of a natural disaster such as a snowfall or a flood, you should know that all this is part of the essential guarantees offered on the home insurance formulas of the Axa group. As an option, you can benefit from coverage in the event of theft or vandalism resulting in the deterioration of your property. Also as an option, this insurance will cover damages in case of glass breakage, verandas and others.
Axa offers you homeowners, tenants, young workers and students formulas, the last one being accessible from 2,92 € per month. If you need more information, do not hesitate to contact Axa's customer service. They will be happy to help you.
Discover in a few clicks the particularly advantageous formulas offered by Direct Assurance. Note that this group was elected customer service of the year.
From 10.41 €/monthDirect Assurance is the leading insurance company in the industry and offers a number of very attractive products to protect your home. With the Essentielle, Confort and Confort plus formulas, you will be covered in the event of carelessness or negligence on the part of others leading to damage. Within the framework of the civil liability, you will have the right to the criminal defense and the recourse, in particular with an accident or damage caused by a third party.
This insurance also covers damage following a fire, implosion, electrical surge and many other situations. Similarly, in the event of natural disasters, attacks, water damage, Direct insurance covers you. Note that these protections are offered to you in the Basic Essential plan. If you opt for a Comfort policy, you will also be covered for glass breakage, theft and vandalism. Finally, the Comfort Plus plan provides compensation for personal property.
Groupama offers a wide range of home insurance products for all profiles. Attractive rates, a wide choice of guarantees and quick compensation are among the advantages it offers.
From 8,07€/monthWith Groupama, you can insure the basic elements of your home or extend the guarantee to comfort installations such as outdoor furniture. Three plans are available: essential, comfort, and specific solutions. Find in each plan the guarantees that correspond to your profile and your budget. Please note that Groupama advisors are at your disposal 24 hours a day.
Groupama provides you with a set of services that will allow you to manage your contract with great ease. The compensation in case of a claim is done quickly. You can be compensated instantly if you repair the damage caused by a minor loss yourself.
Luko is a specialist in new home insurance and offers very attractive coverage and prices. A wide choice of contracts adapted to all homes and all budgets is available from this insurer.
From 3,30€/monthWhether you are an owner-occupier or not, a co-owner or a tenant, you will find at Luko a contract that meets your expectations. The insurer offers a wide range of offers that can be customized according to the guarantees chosen and the type of housing (apartment, house...).
Luko puts forward the use of technology to improve its services. Its advisors are at your disposal to protect your homes efficiently. Quotes, subscription, contributions and claims can be done online. Forget the long administrative steps to manage your home insurance contract. The insurer also promises quick compensation within 48 hours.
Maif offers home insurance packages that are compatible with all needs and budgets. In particular, you will appreciate the coverage of ecological equipment at no extra cost.
From 7.53 €/monthThe insurance contracts offered by Maif provide you with exceptionally advantageous guarantees, thanks to which you will be able to protect all your property, both real and personal. The basic Eco plan gives you access to emergency repairs including locksmith, heating and electrical services. You will be compensated in case of natural disasters, such as a flood.
Maif offers you 3 distinct formulas: Eco, A la carte and All inclusive. These 3 packages protect you in case of fire, water damage and compensate you if you are a victim of theft or vandalism. If you wish to insure your household appliances, audiovisuals or other goods, the A la carte and All inclusive plans are made for you. Finally, these two types of contracts also allow you to insure your nomadic goods including sports equipment, but as an option.
Macif offers you three home insurance packages. You will appreciate the Protectrice formula with which you can add various customized options.
7.71 €With the home insurance offered by Macif, there is something for everyone. Indeed, the economic package, intended for small budgets, gives you the essential guarantees in case of fire, house, apartment and glass breakage. If you face water damage or a storm, the economic pack covers you, as well as if you face theft or vandalism. If you choose the multi-risk package, you will have the possibility to personalize your contract.
In addition, you will benefit from optional insurance for photovoltaic panels, musical instruments, smartphones and other household appliances. Finally, you can also opt for the Prem's formula, which gives you access to a home insurance contract directly online. In short, thanks to La Massif and its golden insurance contracts, you are guaranteed a serene and perfectly secure daily life.
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| TOP OF THE TOP | NOT EXPENSIVE | TOP OF THE RANGE | EXCELLENT | GOOD | TOP | INTERESTING | |
In accordance with our commitment, this buying guide does not contain any sponsored products. |
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| OUR SELECTION |
MMA
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Axa
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Direct Assurance
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Groupama
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Luko
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Maif
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Macif
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A subsidiary of the Covéa group, MMA is a mutual insurance company that offers several home insurance packages. You can choose the guarantees included in your contract and benefit from very satisfactory top-of-the-line services.
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Protect your home and your loved ones effectively by choosing an insurance policy that is made for you. Axa offers you essential guarantees to cover damages such as fire and other acts of vandalism.
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Discover in a few clicks the particularly advantageous formulas offered by Direct Assurance. Note that this group was elected customer service of the year.
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Groupama offers a wide range of home insurance products for all profiles. Attractive rates, a wide choice of guarantees and quick compensation are among the advantages it offers.
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Luko is a specialist in new home insurance and offers very attractive coverage and prices. A wide choice of contracts adapted to all homes and all budgets is available from this insurer.
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Maif offers home insurance packages that are compatible with all needs and budgets. In particular, you will appreciate the coverage of ecological equipment at no extra cost.
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Macif offers you three home insurance packages. You will appreciate the Protectrice formula with which you can add various customized options.
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Formulas
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Formula 1 : Mini priceFormula
2 : EssentialFormula 3 : Comfort |
OwnerRenterYoung
worker |
Essential
Comfort Comfort Plus |
EssentialComfortSpecific solutions |
StandardPeace of
mind |
EcoA
la carteAll inclusive |
EconomicalPrem'
s Protector |
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Civil liability
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Type of accommodation covered
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House, apartment, studio
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House
, apartment |
House, apartment, studio
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All types of housing (houses, apartments, outbuildings, mobile homes, houseboats...)
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House, apartment, studio
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House
, Apartment, Studio |
House, apartment, studio
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Cover for furniture, musical instruments and comfort installations
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Yes
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Optional
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Yes
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Yes
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No
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Optional
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Optional
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Dematerialized services
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Request a quote, customer service
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Online quote, customer service
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Online quote, Customer service
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Request a quote, customer service
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Fully dematerialized
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Quote, online subscription and customer service
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Online quote, customer support
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It is important to know that the premiums for insuring a small studio will be different from those for an apartment or a house. The type of dwelling is therefore one of the main criteria of choice. In fact, it is also one of the first things an insurer will ask you about. The type of dwelling is not enough, other factors such as the level (ground floor, upper floor...), the living area, the number of rooms and additional facilities, cellar, terrace, balcony... will also be taken into account.
The rates of your home insurance policy will also be set according to your status. You can be an owner, a co-owner, a landlord or a tenant. For the latter, the subscription of home insurance is mandatory. Your marital status and the number of people in your household (dependent children, etc.) will also be considered. If you are a student, you can take advantage of dedicated formulas that offer more affordable rates depending on the offers of your insurer.
The guarantee defines the elements taken in charge and compensated in case of a disaster. Your home insurance can be limited to the essential elements of your home. This is usually referred to as basic coverage. It is also possible to extend the guarantee to other secondary elements whose role is toensure the comfort level of the dwelling. This concerns furniture (interior and exterior), but also swimming pools or equipment. Some insurers may even offer to cover musical instruments and valuables.
Damage to your home can be caused by a variety of disasters. Weather events and natural disasters, fire, water damage, electrical damage, theft, vandalism... can be covered by your home insurance. It should be noted that not all losses are systematically included in the guarantees
. Everything will depend on the offer to which you have subscribed. You can therefore extend the coverage according to your needs. Also consider the climate zone and environment in which your home is located. For example, it will not be necessary to extend coverage to "frost" if you live in an area where it is generally warm throughout the year.
The terms of compensation vary greatly from one insurer to another. The application process, time limits, compensation limits and payment methods are all different. Be sure to find out about these terms and conditions before you buy home insurance. The ideal is to benefit from a fast compensation and interesting ceiling without having to make long steps.
You don't have to pay high premiums for home insurance. With the following tips, you can reduce the annual amounts and save a few dozen euros each year.
There are several types of home insurance. The first type refers to the building itself. The second type refers to civil liability.
By taking out this type of home insurance, you are signing up for guarantees that cover damage to the building itself. Here are the most common guarantees for a property insurance contract:
Additional coverages can be added at your request. It is therefore possible to insure the building, the goods and the installations which are in it. Offering more security, this type of home insurance offers an interesting tax advantage. However, it is important to know that the amount varies according to the insurer and that several types of damage are not covered.
The most common type of coverage is for electronic goods. If you want to insure your console, your laptop, your last generation refrigerator..., this is the type of insurance you need.
By
purchasing liability coverage, you will benefit from compensation from your insurer for the damage
you cause to other people's property. The coverage can also extend to the beneficiaries you designate and to your pets. This coverage is not mandatory. Nevertheless, it is particularly useful. It is therefore advisable to take out this coverage at the same time as property insurance. You will be able to face unforeseen risks while avoiding legal proceedings.
However, it is important to understand that civil liability does not cover damage caused to oneself or damage caused intentionally.
Civil liability is in every respect a kind of out-of-court settlement. It commits you to compensate a third party in case of a fault caused such as a broken window by your child, a garden damaged by your dog... This type of insurance is highly recommended for anyone living in society and at risk of causing harm to others.
Traditional home insurance is offered by traditional insurance companies. The products and services are distributed through different media (Internet, telephone). Although some services are digitalized, some steps must be taken in a branch. This is the most common type of home insurance.
The neo-insurance of the home has experienced a major boom in the last few years. Today, more and more digital companies are offering completely dematerialized contracts. All procedures are carried out online using a simple mobile application. Neo-insurance is to be differentiated from online insurance. For the latter, only a few steps such as requesting a quote are dematerialized.
Neo-insurance is presented as the modern home insurance. Adapting to the dematerialized management of a contract can, however, be relatively complex for some people. Moreover, the guarantees offered by these digital companies may be limited. Traditional home insurance offers are therefore the best options if you want to enjoy comprehensive coverage.
Protection of your principal residence
The main reason to get home insurance is to protect your primary dwelling, the part of your home where you actually live. Imagine facing a total loss due to a house fire or extensive and costly damage from a hurricane or tornado. You should ideally insure your home for 100% of its value, but at least 80% to 90% is pretty standard. Minor damage, major damage and total replacement costs will be covered by home insurance.
Protection of your detached structures
The second most important component of home insurance is coverage for your detached structures, which can include a garage, sheds, fences, your dog's kennel, and more. Normally, detached structures are covered up to 10% or some other percentage of the coverage limit of your main dwelling. But you can customize your homeowners insurance if you want additional coverage for detached structures on your property.
Coverage for the contents of your home
Whenever you get home insurance, you should take an inventory of all the appliances, furniture, electronics and other personal property inside your home that would be covered. If a covered event such as a storm damages or destroys part of that property, you may be reimbursed in part or in full, depending on the specific terms of your insurance. This is a major benefit of this type of insurance that is often overlooked by homeowners.
Liability coverage
This is one of the reasons why you really can't afford to go without home insurance. It could cost a lot of money or more in medical bills if someone was injured on your premises, and it is possible that you could be held liable. Your home insurance will not cover you or the injuries of household residents or property damage. It is designed to protect you from costly lawsuits that could result from, for example, a dog bite injury to a visitor.
Loss of Use Insurance
If you are forced to leave your home while it is being repaired or rebuilt due to a covered event, you will incur hotel, food and travel expenses. These will be covered to some extent by the loss of use component of your home insurance.
Choosing the right guarantees
It is important to know that taking out a high level of cover for a home insurance policy does not mean that you will benefit from substantial compensation in the event of a claim. It is therefore essential to choose the right guarantees in order to limit the annual cost of the contract while benefiting from an adapted coverage in case of a claim.
Increase the franchise
If
you can afford it, increase the deductible on your home insurance policy. This will reduce the cost of premiums charged by your insurer. This trick only works if you plan to keep the policy for a long time.
Choose accommodation close to firefighting facilities
The
risk of a major fire is much lower for buildings near fire hydrants and fire stations. This has an impact on the cost of home insurance premiums. Don't hesitate to put this argument forward when negotiating your policy with your insurer.
Compare offers on the Internet
To
find the most advantageous home insurance, you should compare the offers of different companies. For the same coverage, two insurers can charge very different premiums. Today, the Internet offers many comparators that help you compare offers and rates in a few clicks.
Neo-insurance: an interesting solution
Neo-insurance is a movement that brings together several digital insurance companies. Compared to traditional insurers, they offer modern and more accessible services through mobile applications. All the steps are digitalized. Neo-insurance companies can also offer more attractive rates.
The best home insurance depends on your needs and your budget. Read our buying guide to find out which products are best for you.
For a resident owner, home insurance is not legally required. It is strongly recommended, because in the event of a claim, the uninsured owner will have to pay the entire cost of the renovation. In the case of a condominium, a civil liability insurance must be taken out. Extensions of guarantee are still recommended to benefit from a wider coverage in case of damage. The law requires tenants to take out home insurance. In the absence of an insurance contract, the owner is entitled to take measures against the tenants. There are certain exceptions such as short term rentals. In this case, the landlord will take out home insurance and include the cost in the rental fee.
There are many factors that go into determining the cost of home insurance. Contributions vary according to the specific features of the dwelling, but also the status of the policyholder and the guarantees chosen. On average, French households paid €180 for home insurance in 2018.
All home insurance contracts commit their subscribers for a minimum period of 12 months. If you wish to change insurer, you will have to wait for this deadline to cancel your contract. After this minimum commitment period, you are free to cancel the contract at any time.
If you occupy a dwelling free of charge, you are not obliged to take out home insurance. However, by law, you will be held responsible for "any damage you may cause to the building, to neighbours and to all third parties during the period of occupancy".
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