In France, home insurance is essential in order to protect your property if things go wrong; for example, problems such as water damage, ﬁre, theft, vandalism and glass breakage. To help get you started with things, here’s our simple guide to what you need to know…
When to take out home insurance
How to choose home insurance
When it comes to choosing your home insurance, the first thing you’ll need to do is to obtain a valuation of your property. This includes ﬁnding out the value of your furniture, valuables, the number of items to be insured as well as the surface area of the home. Keep in mind that any rooms larger than 40m2 will be considered equivalent to two main rooms.
The rooms that have to be accounted for include bedrooms, kitchen (bigger than 30m2), dining rooms, studies, libraries, game rooms and all covered enclosed terraces or conservatories. The insurance company must be notiﬁed if adding or taking away any rooms in your home. Cover can be declared invalid if you add rooms and fail to notify your insurance company.
Home insurance in France is automatically renewed unless there is a written notice conﬁrming you wish to cancel. Since 2015, under Loi Hamon (the law introduced in 2014 to reinforce consumer protection), it’s now possible to cancel your insurance at any given time.