AXA Habitation AXA France
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Réclamations numériques
Compare Home Insurance in France
Compare the top home insurance providers in France — see cover, features and typical rates side by side.
Live offers
24 live offers compared from 20 providers, from €180 /année. Updated daily.
Allianz Habitation Allianz Voyage
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Marque haut de gamme
Caisse d'Epargne Habitat Caisse d'Epargne
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Caisse d'épargne
Allianz Direct Habitat Allianz France
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Tarif en ligne uniquement
Covéa Habitation Covéa
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: GMF+MAAF+MMA
Crédit Mutuel Habitat Crédit Mutuel Assurance
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Adossé à une banque
Habitation GMF GMF
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Assureur mutuel
Habitation MAIF MAIF
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: fonctionnaires
Habitat des léocare Leocare
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: natif du numérique
Habitation Macif Macif
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Réduction coopérative
Habitation MAAF MAAF
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Les agriculteurs mutualistes
Habitat du parachute Parachut
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Priorité au numérique
Habitation de Zurich Zurich France
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Qualité suisse
Habitation GMF Assurance GMF
€180 /année
- Type de couverture: Habitation multirisques (MRH)
- Les bâtiments couvrent: Couverture des bâtiments incluse
- Sommaire Couverture: À partir de 125 €/an — tout compris
- Fonctionnalité clé: Spécialiste de la fonction publique ; Groupe Covéa
Logement Groupama Groupama
€180 /année
- Type de couverture: Habitation multirisques (MRH)
- Les bâtiments couvrent: Couverture des bâtiments incluse
- Sommaire Couverture: Contenu jusqu'à 40 000 €
- Fonctionnalité clé: mutuelle agricole; norme de couverture contre les chats sauvages
Habitation d'assurance MAIF MAIF
€180 /année
- Type de couverture: Habitation multirisques (MRH)
- Les bâtiments couvrent: Immeubles inclus (propriétaires)
- Sommaire Couverture: À partir de 130 €/an — vol + dégâts des eaux + incendie
- Fonctionnalité clé: Satisfaction client n°1 (UFC-Que Choisir 2025)
Habitation d'assurance MAAF MAAF
€180 /année
- Type de couverture: Habitation multirisques (MRH)
- Les bâtiments couvrent: Couverture des bâtiments incluse
- Sommaire Couverture: À partir de 120 €/an — couverture complète
- Fonctionnalité clé: Groupe Covéa ; solide réseau rural
Banque Populaire Habitat Banque Populaire
€180 /année
- Type de couverture: Bâtiments + Contenu
- Les bâtiments couvrent: Compris
- Sommaire Couverture: Compris
- Fonctionnalité clé: Coopérative
AXA Assurance Habitation AXA France
€180 /année
- Type de couverture: Habitation multirisques (MRH)
- Les bâtiments couvrent: Couverture des bâtiments incluse
- Sommaire Couverture: Contenu jusqu'à 50 000 €
- Fonctionnalité clé: Premier assureur français ; sinistres numériques
Habitation générale Generali France
Price on request
Habitation Pacifica Pacifica
Price on request
Caisse d'Épargne Habitation Caisse d'Épargne
Price on request
Habitation MMA MMA
Price on request
Habitation de Matmut Matmut
Price on request
What is home insurance in France?
Home insurance — the assurance multirisque habitation (MRH) — covers your dwelling and belongings against fire, water damage, theft, storms and glass breakage, and crucially includes responsabilité civile for damage you cause to others. It is legally compulsory for tenants (locataires) and for owners in a co-ownership (copropriété); homeowners of detached houses are strongly advised to hold it even where not strictly required.
How the French market works
The market is led by the same mutual and generalist insurers that dominate motor cover — Macif, MAIF, MAAF, GMF, Groupama — plus global groups AXA France and Allianz France, and bancassurers such as Caisse d'Epargne that sell MRH alongside banking. Policies are packaged as multirisque, bundling several perils, with optional add-ons for valuables, garden equipment, home office gear or accidental damage. Water damage (dégât des eaux) is by far the most common claim in France, followed by theft and storm damage, which shapes how insurers price and set conditions. Landlords typically require a fresh attestation d'assurance at each lease renewal, and if a tenant fails to insure, the landlord can take out cover and recharge the cost, so continuous proof of a valid policy matters throughout the tenancy.
Benefits
Legal compliance for renters — Tenants must provide proof of cover (attestation d'assurance) to their landlord each year.
Liability protection — Covers damage you or your household cause to neighbours, such as a water leak.
Comprehensive perils — One policy handles fire, water, theft, storms and often natural-catastrophe events.
How to choose
Size the cover to your home: number of rooms (nombre de pièces), surface area, and the value of contents (capital mobilier). Compare deductibles (franchises), theft conditions such as required locks, and whether valuables and outdoor items need extra cover. Check the assistance services, the replacement basis (new-for-old versus depreciated), and that natural-catastrophe and water-damage cover is adequate for your area.
Leading providers in France
Macif, MAIF, MAAF, GMF and Groupama are leading mutualist insurers with strong member service and pricing. AXA France and Allianz France offer wide national coverage and packaged options, and Caisse d'Epargne provides MRH cover bundled with its banking relationships.
What it costs
Premiums depend on location, home size, contents value and cover level; this comparison shows figures around €180 a year for typical cover, with apartments generally cheaper than houses. Flood- or theft-prone areas cost more, and adding valuables or a lower deductible raises the premium. A small studio can be insured for well under the figure shown here, while a large house with valuable contents costs considerably more. When comparing, look past the headline premium to the contents ceiling and the deductibles, since a cheap policy with a low cover limit or a high excess can leave you badly short after a serious water-damage or theft claim — the two most frequent events French households actually make.
Protections and regulation
Insurers are supervised by the ACPR under the Code des assurances. The loi Hamon lets you switch home insurer freely after the first year, with the new insurer managing cancellation. The catastrophe naturelle regime provides state-backed cover for declared natural disasters, funded by a surcharge on every policy, and disputes can go to the insurance médiateur.
Common questions
Is home insurance mandatory? — Yes for tenants and co-owners; advisable for all homeowners for liability and rebuild protection.
What does responsabilité civile cover? — Damage you, your family or household cause to third parties, such as a leak affecting a neighbour.
Can I switch insurers? — After the first year you can leave any time under the loi Hamon and let the new insurer handle it.
The cheapest Home Insurance in France is €180 /year from AXA France.
Home Insurance in France — FAQ
What does home insurance cost in France?
Giraffy tracks 5 home insurance products across AXA France,Allianz Voyage,Caisse d'Epargne,Allianz France,Covéa insurers in France. The lowest tracked price is €180 /year. Premiums depend on your property type, rebuild or replacement cost, contents value, and local claims history — compare multiple quotes to find the best deal for your specific circumstances.
What is the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home — walls, roof, floors, and permanent fixtures — against events like fire, flood, or subsidence. Contents insurance covers your belongings inside the home. Many insurers offer combined buildings and contents policies, which is often better value than buying separately.
Do I need home insurance if I rent?
As a tenant, you're responsible for insuring your own belongings (contents insurance), not the building — that's the landlord's responsibility. Tenants' contents insurance covers your possessions against theft, fire, and accidental damage. Some policies also cover items outside the home.
What does home insurance typically NOT cover?
Standard exclusions include: general wear and tear, damage caused by pests, mechanical breakdown, and damage due to poor maintenance. Flood and earthquake cover is often sold separately — especially in high-risk areas. Always check exclusions carefully — especially for high-value items like jewellery above a single-item limit.
What is an excess and how does it affect my premium?
The excess is the amount you contribute towards a claim before the insurer pays the rest. A higher voluntary excess reduces your premium. Make sure you could comfortably pay the full excess amount in an emergency.
How is my buildings insurance cover amount calculated?
Buildings cover should reflect the rebuild cost — what it would cost to demolish and rebuild your home from scratch — not the market value. These figures can differ significantly. Many insurers provide online rebuild calculators; a professional assessment is more accurate for unusual or period properties.