More than just home protection
Coverage for the whole household
Whether it’s your partner, children, or roommates, you can easily add them for free.
Personal liability insurance
Protection against accidental damage, no matter how clumsy you are.
Comprehensive assistance
Home help, locksmith services, emergency accommodation, ski pass coverage – all included in every plan.
What’s covered?
Water damage
We cover damage to your belongings caused by leaks or water incidents.
Storm & fire damage
Your furniture and personal items are protected in case of fire, explosion, or lightning damage.
Neighbor damage
If an incident at your place (such as a water leak or fire) affects your neighbor, you’re covered.
Electrical damage
Covers damages to appliances and electrical systems due to power surges.
Expenses & losses
Reimbursement for hotel stays, transportation, and other necessary costs incurred due to an insured incident.
And much more...
Other coverages are included, such as glass breakage, natural disasters, etc.
Customize with add-ons
We also offer additional coverage through add-ons.
Theft & vandalism
Your belongings are insured in case of break-ins or intrusions
Glass breakage
Coverage for broken windows, mirrors, and more.
Legal protection
Assistance in case of legal disputes.
School insurance
Coverage for kids at school, during trips, and internships.
What’s not covered?
Lack of maintenance
Damage caused by wear, neglect, or lack of proper upkeep isn't covered.
Professional use
Items used for work or business (like tools or stock) aren’t included.
Unoccupied homes
Theft isn’t covered if your home is left empty for more than 60 days.
High-value items
Objects worth over €4,000 each must be declared to be insured.
Sublets & squatters
Coverage doesn’t apply to unauthorized sublets or illegally occupied homes.
Storage outside the home
Items stored in places not listed in your contract (e.g. unlisted garages) aren’t covered.
Is home insurance mandatory in France?
For tenants
Home insurance is required to cover rental risks like fire and water damage.
For homeowners
If you live in a co-owned property, civil liability insurance is mandatory. For others, it’s optional but highly recommended to avoid costly repairs.
Did you know?
Burglary patterns
Most burglaries in France occur between 2 PM and 6 PM and last less than 10 minutes.
Fires frequency
~250,000 residential fires occur annually in France.
Robberies in France
~90,000 robberies were reported by the police in 2024
Flooding risk
~19,000 municipalities in France are classified as flood-prone, affecting millions of properties.
Frequently asked questions
Is home insurance mandatory in France?
Can I cancel my insurance anytime?
How long does it take to get insured?
What happens if I need to make a claim?
Can I add my roommates to the policy?
What’s the difference between household insurance and home insurance?
