French property insurance - buildings
Our Generali house insurance policies clearly state that we will re-build your French home with identical materials therefore maintaining the charm and elegance of your home in France. This represents a major advantage over other house insurances policies available here in France – and over what you may have been used to in the UK.
The norm in France is for rebuild cover to be limited to modern materials, meaning that non-Generali policy holders could risk the loss of much of their property’s charm and character. In the UK, the norm is for ‘an expert’ to determine the value of any rebuild, often by under-valuing your property or by asserting that you were under-insured in the first place.
With one of our Generali house insurance policies, these risks are practically eliminated. This is greatly helped by the fact that we know your postcode, are very familiar with regional construction methods (and therefore costs), and we have a detailed knowledge of risk by rate and type of accident. This enables us to establish a realistic rebuild cost per square metre and/or principal room. By indexing your policy against your surface area we can protect you against these types of disappointments.
French property insurance - contents
We insure the contents of your French home on a 100% new-for-old basis if less than 5 years old for hi-fi and household appliances, and less than 8 years for other items.
Public liability insurance in France
French house insurance must – by law – include public liability cover. With us, this includes cover for people and pets (even for horses and donkeys).
Children’s school insurance is also included (and can be selectively upgraded).