Insurance

There is a legal requirement for certain types of insurance in France.  Vehicle owners must carry motor insurance (assurance automobile); Whether rented out or used solely by the owners, all properties must be insured under a home insurance policy (assurance habitation) for civil liability (assurance responsabilité civile or chef de famille), and all school-age children must also carry cover for liability insurance (assurance scolaire).

Whether you rent or own a property, you must have your policy in force at the time of completion of the purchase, or before you move in. All home insurance policies in France are comprehensive and they will cover damage to your home and contents - events such as fire, water damage, theft and vandalism.In addition, any risk of damage that an accident at your home might cause to someone else's residence will be included since this is obligatory.

This will cover you if, for example, your apartment's bathtub leaks into the ceiling of the flat downstairs or if a tile falls off of your roof and imbeds itself into the head of an innocent bystander!

It is strongly advisable to make sure you understand the small print of every policy, especially regarding policy excesses that you will have to carry, and your obligations with regard to property ownership.

Talk to our insurance expert about how she can help!