While it might seem convenient to purchase home insurance from your bank or online, doing so could lead to higher premiums. These providers often assume you’re familiar with the 'French way' of doing things, which can result in significant insurance gaps or less favorable rates. To ensure you get the best deal, consider comparing home insurance options through specialized English-speaking brokers. They can offer tailored solutions and often save you time and money.
Home insurance for expats in France
Fair prices. English speaking agents. Dedicated broker.
Get a quoteWhy compare home insurance quotes with Fab French Insurance?
We do the hard work for you, comparing deals from the biggest providers in France so you can get the right cover and save hundreds of euros on your premiums. Not even considering the cost and stress that may add up should you choose an insurance agent that doesn't understand where you are coming from!
Why choose us?
Whether you’ve relocated to France or own a holiday home here, safeguarding your property is crucial. Our tailored home and contents insurance offers peace of mind, ensuring your French residence is fully protected. As specialists in serving English-speaking clients—many of whom are from the UK or the US—we understand your unique needs. Our insurance solutions are designed specifically for expats.
-
As fast as Frenchly possible
Just pop in some details about yourself, your property and the cover you need
-
The cheapest policies
We'll do the legwork to find the best home and contents insurance, ensuring you get the most value for your money
-
France made simple
There are many traps when insuring a property in France but you won't have to worry, we'll help you get the best offer that matches your exact situation
What do you need to get a quote ?
-
Discover How to Get Your Quote
To get a quote with Fab French Insurance, check out our home insurance questionnaire to find out what information you need to provide. It’s a quick and easy way to get a personalized quote!
-
What you'll use the property for
Main property or second home? Perhaps you're considering running a gîte or letting it out? Or maybe you have more than one property in a single building. Let us know the details, and we'll ensure everything is properly insured.
-
Details of your family
List everyone who will live in the property to ensure we cover everyone’s public liability. If you have kids, we can even include school insurance as part of the package.
-
Description of your property
Last but not least, we’ll need to know the specifics of your property. Does it have a pool? Outbuildings? A wood burner? At this stage, every detail matters, so it's better to provide too much information. We’ll sort it out for you.
Our expert says
Fabien, Founder of Fab French Insurance
We're 100% independent, working only for our customers
Unlike some of our competitors, Fab French Insurance is not owned by an insurance company (not even fractionally).
We combine independence, so we can negotiate the best prices, with excellent customer service, to find the best value products and services.
How can I get cheaper home insurance?
Here are some things you can try to bring down the cost of your home insurance policy.
-
1.
1. Shop Around and Compare Quotes
With Fab French Insurance, you have access to a wide range of insurance providers, allowing you to compare quotes easily. Our team is dedicated to finding the best coverage at the most competitive prices, ensuring that you receive excellent value for your money. Don’t settle for the first offer; let us help you explore all available options.
-
2.
Improve Home Security
Enhancing your home’s security can lower your insurance premiums or at least lower the excess (or deductible) in case of a claim. With us, you can be confident that you’re receiving the best advice and support.
-
3.
Increase the Excess or Deductible
Opting for a higher excess or deductible can reduce the premium. While this means paying more out-of-pocket in the event of a claim, it lowers the regular premium costs.
-
4.
Remember you can change policy whenever you want
The renewal date is probably the worst time to consider a change in France. Once your policy is more than 12 months old you can actually change whenever you want with a full refund (and without any penalty)!
-
5.
Pay annually
Paying an annual lump sum for your home & contents insurance policy may seem like a big initial outlay, but it would cost less overall than if you were to pay on instalments.
-
6.
Maintain a No-Claims Record
Avoiding claims for minor incidents and maintaining a no-claims history can lead to lower premiums, as insurers often increase rates for clients with a claim history.
What else affects your property insurance premiums?
Insurers consider lots of things when they work out how risky you might be. Obviously, the more of a risk you pose, the higher the price of your home & contents insurance will be. French insurance premiums are mostly influenced by:
-
Property Location: The location of the property is a significant factor. Homes in areas prone to natural disasters (such as floods, earthquakes, or wildfires) or high crime rates typically have higher premiums due to the increased risk. For example, those living in Paris, pay on average 30% more than those in Britany.
-
Value of your contents and valuables: The value of your belongings and the number of valuables you have are critical factors. The more valuable the contents, the higher the premiums.
-
Size of your property: France operates differently from other countries in this regard. Most French insurers typically consider the number of main rooms (not just bedrooms) rather than the overall property value. The building is usually insured up to its reconstruction value, regardless of the materials used, except for luxury properties like castles or manors.
-
Coverage amount and policy features: The amount of coverage you choose, including add-ons like outbuilding contents, liability coverage, or specific protections for high-value items, directly affects the premium. More extensive coverage increases the cost.
-
Deductible or Excess: The excess (or deductible) is the amount you pay out-of-pocket before the insurance kicks in. A lower excess/deductible leads to higher premiums, while a higher excess/deductible reduces the premium but increases your financial responsibility in the event of a claim.
-
Claims history: A history of filing multiple claims can increase your premium, as it indicates a higher risk to the insurer. Conversely, a clean claims history may help lower your premium over time.
What's covered
Whether it’s a leaky faucet or major damage, our team is ready to help!
-
Storm, wind, natural disasters
We'll cover the cost to repair the damage.
-
If there is an emergency
Your policy typically includes an assistance hotline.
-
If the unexpected happens
We'll cover damage from fires, vandalism, and more.
-
If your windows are damaged
We'll cover the cost of glass replacement.
-
If you're sued for liability
We'll help cover the costs induced.
-
In the event of a burglary
We'll cover the stolen items.
FAQ
We do the hard work for you, comparing deals from the biggest providers in France so you can get the right cover, save up on your premium and have it all explained in English.
-
Are accidental damages covered in France?
In France, most home insurance policies do not automatically cover accidental damages, such as spills or breakages. Coverage for these incidents may be provided optionally (for example, for smartphones or tablets) through an additional add-on or a third-party policy. If accidental damage protection is important to you, be sure to discuss this option with your insurer when setting up your policy.
-
When is a Risk Assessment visit required for Home Insurance in France?
In France, a risk assessment visit is often required for larger properties (with more than 10 main rooms or over 200m²), properties with numerous valuables, or for listed buildings such as historical monuments, castles, or manors. This assessment helps insurers evaluate the unique risks associated with insuring such properties and ensures that appropriate coverage is provided. If you have any doubts, feel free to ask, and we'll let you know if your property requires an in-person assessment.
