Tenant, owner, second home, student: your home, your belongings and your family protected against everyday mishaps (water damage, theft, fire, weather, personal liability).
Request my personalised quoteHome insurance depends on how you occupy the property. The key cover and the price vary considerably between a tenant in a flat and an owner of a house with a garden.
Home insurance is compulsory for every tenant in France (law of 6 July 1989). At a minimum, it covers tenant's risks: what you could damage in the property (fire, water damage, explosion). A comprehensive policy also covers your personal belongings and your personal liability. For small homes (studio, room, flatshare), a dedicated policy offers a tailored premium and the essential cover, which landlords often ask for on moving-in day.
You live in the home you own. Insurance is only legally compulsory in a condominium (loi Alur 2014, minimum liability cover), but it is very strongly recommended everywhere: your home is often your main asset.
A second home carries specific risks: long periods without anyone living there, outdoor equipment (pool, garden), exposure to weather events. A dedicated policy covers these particular features.
If you are a landlord (you rent the property to a tenant), you need non-occupying owner insurance, in addition to the home insurance your tenant takes out.
Four simple steps, no pressure, no commitment.
It takes about 5 minutes. No commitment, no fees.
By phone, email or WhatsApp, whichever you prefer.
Cover, limits, options, new-for-old: everything is reviewed.
Instant certificate, and we handle cancelling your old policy.
The complete questionnaire insurers expect, for a firm quote with no back-and-forth. Personalised comparison across more than 30 insurers, no commitment, no fees.
It is the first question in every home insurance pricing tool.
Isolation changes the fire risk and how long emergency services take to arrive.
Your status determines what needs to be insured: the building, the contents, or both.
A second home and a rented property are not priced the same way.
Insurers price by address: flood zone, seismic risk, local claims and crime rates.
Insurers count rooms larger than 9 m², not the floor area. Kitchen, bathroom, toilet, hallways, storerooms and landings do not count.
Breakdown by room size: insurers count large rooms differently.
All levels added together, outbuildings and garage included.
The share of hard building materials is the first acceptance criterion for home insurance.
Stone, brick, concrete, breeze block.
Tiles, slate, concrete, steel sheeting.
These are insured separately and trigger dedicated options.
Some insurers limit cover below 22 m².
Stoves, inserts and fireplaces are the leading cause of house fires: insurers want details of the installation.
The level of security determines whether theft cover is accepted and the amount of the excess.
A home left empty for several months a year is not insured like a home lived in all year round.
Several answers possible. None of them rules you out, but each points to a different insurer.
Your date of birth is used to calculate the premium. Category 1 and 2 dogs require specific liability cover.
Attack dogs not registered with a breed register.
Guard and defence dogs registered with a breed register.
Insurers check these answers with your previous insurer. Leaving anything out can make the policy void.
The insurer asks for the date, type and amount of each claim to process the application. Without them it cannot give a firm price.
Nothing is set in stone: these choices frame the quote, and we will fine-tune them together.
The replacement value of everything you would take with you when moving: furniture, appliances, clothes, computers.
Options you want (several answers possible)
Fast reply by email and phone. Your data is only shared with the insurers we consult (GDPR).
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For tenants, yes: the law of 6 July 1989 requires tenants to show a home insurance certificate when moving in and at each lease renewal. For owner-occupiers in a condominium, the 2014 loi Alur requires minimum liability cover. For owner-occupiers of a detached house there is no legal obligation, but going uninsured exposes you to major risks (fire, water damage, liability) and is very strongly discouraged.
Standard cover includes: personal liability (you, your family, your pets), occupier's or property owner's liability, fire and related risks (lightning, explosion, smoke), water damage, weather events (storm, hail, snow), natural and technological disasters, theft and vandalism, glass breakage, and cover while staying away (holidays, second home). Optional extras: valuables, electrical damage, garden, swimming pool, musical instruments, portable devices, school insurance, legal protection, 24/7 assistance.
Make a room-by-room inventory of your belongings and estimate their replacement value as new: furniture, household appliances, electronics, clothes, crockery, books, decoration. List valuables separately (jewellery, works of art, musical instruments, high-tech equipment), as they are often capped or need a specific declaration. Most people who make a claim have underestimated their belongings and find themselves underinsured after a major loss. Part of our role is to help you set this amount correctly.
You report the claim to your insurer within 5 working days. If the damage affects a neighbour (above, next door or below), you fill in a joint water damage report together. The IRSI agreement (Indemnisation et Recours des Sinistres Immobiliers) decides which insurer handles the claim, depending on its origin and amount. Most everyday water damage claims are settled quickly, without you having to pay the main costs upfront. As your broker, we also help you through the claim.
Yes, for various reasons: too many previous claims (usually more than 3 claims in 36 months), cancellation by your previous insurer for misconduct, a high-risk property (poor condition, business activity, listed historic monument, mobile home, yurt), a high-risk location, a shop in the building, and so on. If you are in one of these situations, there are insurers that specialise in higher risks. Our role is to find a solution even when mainstream insurers say no.
With actual value, the insurer compensates your belongings taking wear and tear into account: a sofa bought for €2,000 ten years ago may only be compensated €500 after depreciation. With new-for-old cover (an option or premium policy), the insurer pays the purchase price of an equivalent new item, with no deduction for wear and tear. This option raises the premium but gives much better protection after a major loss.
There are several options: on the annual renewal date (with 2 months' notice), at any time after the first year under the loi Hamon (mid-term cancellation, with no fee and no reason needed), if your situation changes (moving house, marriage, divorce, retirement, change of job), or if your premium rises without justification. Our team handles the cancellation for you and sets up the new policy with no gap in cover.
The price depends on several factors: type of home (house or flat, floor area), number of rooms, value of the belongings to insure, location (urban areas with high burglary rates and areas exposed to weather risks cost more), level of cover chosen, and your profile (past claims). For a standard rented flat, the premium remains very affordable. For an owner's house with a lot of furniture, it is noticeably higher. Comparing several insurers easily saves 20 to 30 % for equivalent cover.
Along with car insurance, home insurance is the most common insurance policy in France. Yet it is also one of the least understood: many policyholders do not know what they have actually signed up for, under-declare the value of their belongings, or have been paying for years for a policy designed for another life (the student studio, when they have since bought a family home).
Choosing the right home insurance means matching your policy to your real, current situation: home, belongings, family profile, level of risk. It is also one of the insurance policies you are most likely to use in your lifetime: water damage, theft, glass breakage, personal liability. Comparing policies regularly often wins on both counts: better cover for the same price or less.
How you occupy the home determines your legal obligations:
Modern home insurance covers everyday risks:
Depending on your situation, some options make a real difference when you make a claim:
The value of contents is the declared value of all your belongings (furniture, appliances, electronics, clothes, crockery, decoration, etc.). Underestimating it is one of the most common mistakes, and it means being compensated only in proportion after a major loss.
Our advice: make a room-by-room inventory, estimate the replacement value as new, and add it all up. For valuables (jewellery, instruments, works of art), make a specific declaration with photos and receipts. Update the inventory every 3 to 5 years (belongings build up faster than you think). If you ever make a claim, you will be glad you did the work beforehand.
There are several ways to switch:
As your broker, we also handle the cancellation for you (letter, follow-up, certificate) and make sure there is no gap in cover between the old and the new policy.
The home insurance market has dozens of insurers with very different positions (budget, premium, families, students, seniors, higher risks). Premiums for two equivalent policies can differ by 30 to 40 %, and exclusions vary considerably (theft, valuables, pets, business activities).
Our role as an independent broker: compare policies from more than 30 partner insurers for you, check that the cover matches your situation, negotiate the best terms, and handle cancelling your old policy. Free of charge for you: we are paid by the insurers, not by our clients.
To understand in detail how we work, see our general FAQ on the role of an insurance broker. You can also check our registration directly in the official ORIAS register under number 24 006 887, or read our legal notice for the regulatory details.
Request your personalised quote using the form above. Within 24 working hours, we come back to you with a selection of policies suited to your home and your profile. Certificate sent immediately after you sign up.
« We bought our first house in Lyon and were looking for insurance that was both affordable and properly sized. Atmo asked us the right questions about the furniture, the garden, the car parked outside. A balanced policy, cheaper than our bank's quote, and the certificate sent straight away. »
« Student studio in Paris: my parents wanted insurance that was really suited to it. I had tried comparison websites and got lost in the options. Walid found me an essential policy for students in less than a day. Certificate sent to my letting agency the same day. »
Personalised quote within 24 hours, from more than 30 partner insurers. Instant certificate once you sign up. No commitment, no fees.
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