House insurance in English for expats in France

French property insurance - buildings

House insurance in France

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.

House insurance in France

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

House 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).

What our customers say about our support with their House insurance


Ik weet niet zeker of alles nu is afgewikkeld, ik had in mijn agenda nog de juridische bijstand staan om die ook op te zeggen. Is dat inderdaad gebeurd?

Het is altijd spijtig weer een aangenaam hoofdstuk te moeten afsluiten. Ik heb al die jaren met veel plezier met jullie gewerkt en dank jullie voor de vriendelijke maar tegelijkertijd professionele benadering en afhandeling.

Nogmaals dank voor de hele prettige samenwerking,het allerbeste voor u en uw collegas.
Robert (December 2019)
Thank you for the completion of our compensation. We appreciate the efficiency of yourself and Generali in this matter.
Vivien and Michael (August 2018)
Dear Mireille, Thank you so much for your speedy response, as efficient as always! That is great news. I will ask a pool company to provide an estimate and solution . . .
Andrea (July 2018)
Bonjour Mirielle, Many thanks for your email.That's great news. I will send the signed document to the assessor tomorrow and let our builder know so that he can arrange to start the work as soon as possible.

As ever, many thanks for your help, particularly in explaining the documents. Our French is so basic (ignorant Brisitsh, eh?); it is so useful to have someone who can make things clear for us. Best wishes
David and Fay (January 2019)
Many thanks in advance and thanks for the teams support over the years. It has been very much appreciated!
Curtis (March 2018)
First of all let me thank you for all your help in this matter you have been wonderful. Would you also be as kind to let me know what days you are working as I would love to pop over and see you and thank you in person.
Lisa (November 2017)
Many thanks for all of your help with this matter. It has been an extremely difficult time for us; you have been very kind in the way you have dealt with us.
David and Fay (August 2017)
Thank you for your prompt response and confirmation and thank you very much for all your assistance on handling this matter so professionally.
Jon (March 2017)

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Telephone us directly on: +33 (05 62 03 70 00).