Expert analysis and updates to help you navigate French insurance with confidence.
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France is home to some of the world’s most prestigious real estate, from luxury Parisian apartments and Alpine chalets to Provençal estates and villas on the French Riviera. For expatriates and international buyers, these exceptional properties require more than a standard homeowners insurance policy. Traditional policies often fall short when it comes to covering architectural […]
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Renting out a property on Airbnb or through other short-term rental platforms has become increasingly popular in France. For expatriates and non-residents, it is an excellent way to generate income from a second home while they are living abroad. However, many owners mistakenly believe that a standard homeowners insurance policy automatically covers short-term rentals. In […]
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Beyond the interest rate of yout French Mortgage, Mortagge Protection Insurance (Assurance Emprunteur) represents a significant financial variable. For Non-Residents, insurance pricing is subject to specific criteria related to geographical distance and international risks. So, what budget should you realistically plan for to secure your investment? How is Your Loan Insurance Pricing Calculated? The price […]
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France is home to some of the world’s most prestigious real estate, from luxury Parisian apartments and Alpine chalets to Provençal estates and villas on the French Riviera. For expatriates and international buyers, these exceptional properties require more than a standard homeowners insurance policy. Traditional policies often fall short when it comes to covering architectural […]
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When arranging home insurance in France, one term appears in almost every policy: responsabilité civile. In English, this is usually translated as third-party liability or civil liability. For expatriates, non-residents and international property owners, understanding responsabilité civile is essential. It can protect you financially if you accidentally cause damage to another person, their property or […]
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French home insurance may seem similar to policies available in other countries, but it includes several unique features that often surprise expatriates and international property owners. Whether you own a holiday home, a rental property or your main residence in France, understanding these differences can help you choose the right policy and avoid unexpected gaps […]
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Buying home insurance in France is essential for protecting your property, but many homeowners only discover the limits of their cover after making a claim. Like any insurance contract, French home insurance policies contain exclusions—situations where the insurer will not provide compensation. Understanding these exclusions is just as important as knowing what your policy covers. […]
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When taking out home insurance in France, one term often causes confusion for expatriates and international property owners : the excess, also known as the deductible. In French, this is called the franchise. Understanding how deductibles work is essential because they directly affect how much you will receive after a claim and how much you […]
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When comparing homeowners insurance in France, many property owners focus on the price alone. However, insurance premiums can vary significantly from one policy to another, even for similar properties. So, how is your French home insurance premium calculated ? Whether you are an expatriate, a non-resident, a landlord or the owner of a holiday home, […]
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Taking out home insurance is an essential step when buying, renting, or owning property in France. However, French insurance policies can sometimes seem complex, particularly for expatriates and non-residents who are unfamiliar with local regulations and terminology. A standard French home insurance policy, commonly known as Assurance Multirisque Habitation (MRH), combines several guarantees designed to […]
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When applying for Mortgage Insurance, insurers will usually ask for information about your health. Depending on your age, medical history and the amount you wish to borrow, a simple medical questionnaire may be sufficient—or additional medical examinations may be required. Since the introduction of the Lemoine Law, medical formalities have been simplified in certain situations. […]
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Taking out Mortgage Insurance protects your mortgage against life’s unexpected events. But what actually happens when you need to make a claim ? Whether it involves death, disability or temporary incapacity to work, every situation follows a clearly defined claims process. Understanding how Mortgage Insurance claims are handled helps you prepare the necessary documents, anticipate […]
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One of the most common questions about Mortgage Insurance is: who actually receives the money when a claim is made ? Many people assume that the insurance payout goes directly to the borrower’s family or heirs. In reality, the process is quite different. In most situations, the insurance benefits are paid directly to the lending […]
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When taking out Mortgage Insurance, three terms appear repeatedly: policyholder, insured person, and beneficiary. Although they are often confused, they refer to very different roles within an insurance contract. Understanding these distinctions is particularly important for French expatriates, non-residents, and borrowers purchasing property through a French property company such as an SCI (Société Civile Immobilière) […]
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The cost of Mortgage Insurance can represent a significant proportion of the overall cost of a mortgage. Yet, it is often less well understood than the mortgage interest rate itself. Between insurance rates, the Annual Percentage Rate of Insurance (APRI), fixed premiums, outstanding loan balances and the guarantees included, several factors determine the final cost. […]
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For many years, taking out a mortgage in France automatically meant accepting the Mortgage Insurance offered by your bank. Today, the situation is very different. Borrowers are free to compare policies, choose their own insurer, and potentially save thousands of euros over the life of their loan. This transformation is the result of several major […]
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When applying for a mortgage in France, whether you live in France or abroad, one question almost always comes up : why does the bank require Mortgage Insurance? Although Mortgage Insurance is not legally mandatory in most situations, it is almost always required by lenders before approving a mortgage. For French expatriates and non-residents, this […]
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Owning property in France as a non-resident is an exciting venture — but it comes with unique insurance requirements that differ significantly from what you may be used to in your home country. Whether you’re purchasing a holiday home in Provence, an investment apartment in Paris, or a rural retreat in the Dordogne, understanding French […]
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