France Property Insurance Guide for International Buyers

Obtaining appropriate property insurance in France is a critical step for international buyers, whether purchasing a primary residence, second home, or investment property. French insurance providers offer comprehensive coverage options, including building insurance, contents protection, and rental risk policies.

Insurance safeguards your property against risks such as fire, theft, water damage, and natural hazards. For landlords and investors, coverage can also include liability, tenant default, and short-term rental protection.



French law mandates insurance for certain property types, particularly for mortgage-backed purchases. Lenders typically require mortgage insurance or “assurance emprunteur” to cover life, disability, and loan repayment risks. Understanding the requirements before completing your purchase is essential to avoid delays.

Building insurance (“assurance habitation”) covers structural damage to the property caused by fire, flood, storms, and other hazards. Contents insurance protects personal belongings, furniture, and appliances. Both are recommended for all buyers, even those not required by law, to safeguard investments.



For rental property owners in France, specialised landlord insurance provides coverage for tenant defaults, accidental damage, and legal liability. This is particularly important in high-demand rental regions such as Paris, the French Riviera, Provence, Bordeaux, and ski resort areas. See our Rental & Investment Management Guide for practical advice.

Insurance costs vary depending on location, property type, value, and risk profile. Buyers should compare multiple providers and obtain detailed quotes before committing. Many insurers provide multi-language support for international clients.



When arranging insurance, documentation typically includes proof of ownership, mortgage details, and property valuation. Insurance policies may also require evidence of regular maintenance and security measures, particularly for high-value properties.

Working with a professional insurance broker or legal adviser can simplify the process and ensure compliance with both French law and mortgage lender requirements. Our Legal Process Guide provides context for obligations and responsibilities.

Additional considerations for international buyers include currency management for premium payments, which is covered in our Currency Guide, and linking insurance to banking arrangements detailed in our Banking Guide.

France also offers specialised insurance for historic or listed properties, coastal villas, and high-value holiday homes. Buyers should discuss unique features with their insurer to ensure comprehensive protection.

For current insurance providers and market insights, explore International Property Developers and International Property Directory.

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