Home insurance: here is the maddening surge in prices in 2025, and it is not over

Excluded Capital

Home insurance prices have soared in recent years and will increase by another 10% in 2025, according to online insurance Leocare. Inflation, natural disasters, aging of the housing stock… “Capital” explains why your home coverage is always more expensive and how to get out of it at a lower cost.

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Will insuring your home become a luxury? In its latest study published this Tuesday, January 21, neo-insurance Leocare underlines that since 2022, the prices of home insurance have exploded. House, apartment… protecting your home will also cost you (much) more this year. According to the survey, the prices of home insurance are expected to increase by 8 to 12% in 2025. Nationally, the average cost will peak between 250 and 260 euros per year.

To establish these statistics, Leocare focused on the prices charged in the cities of Paris, Lyon, Marseille, Lille, Bordeaux, Toulouse, Rennes, Strasbourg, Nice and Montpellier. The investigation concerns 540 insurance quotes provided by Leocare between November 10 and December 6 for apartments with a surface area of ​​60 m2 and houses with a surface area of ​​100 m2, with declared furniture worth between 6,000 and 75,000 euros. The formulas chosen are “eco” and “premium”.

Changes in home insurance prices between 2022 and 2025

According to Leocare data, home insurance for houses has increased the most in Marseille. Its price thus increased from 46.86 euros in 2022 to 57.48 euros in 2025, an increase of almost 23% in three years. In Bordeaux, the increase is more contained but not painless, of +18.64% in three years. Discover the details of the study below.

For apartments, the increase is also impressive. It is Nice which rises to the top of the ranking of increases in home insurance with a variation of +23.27% between 2022 and 2025. For comparison, Paris has the lowest change in the Leocare ranking, with 19% increase over the last three years.

Why are insurance prices increasing?

According to Christophe Dandois, co-founder and president of Leocare, there are multiple factors behind the price rise. The increase in natural disasters is one of the primary causes. “Between river overflows, the problem of clay soils which impact the structure of the soil, significant heat… All these phenomena have very significant consequences which lead to a significant increase in prices, which unfortunately is likely to continue», explains the expert.

Inflation, which strongly slowed down in France in 2024also continues to have an impact on home insurance prices, in particular because of the increase in the cost of raw materials and the price of labor. Thus, repairing damage following a natural disaster or water damage has become more expensive for insurers. Finally, the aging of the French real estate stock, which has rarely been renovated, is obviously not unrelated to the announced price increase since it is more expensive to maintain. The Leocare study also highlights that the increase in burglaries and acts of vandalism weigh heavily in the balance.

Territorial disparities and the future of the French insurance model

According to Christophe Dandois, the French collective and mutualist model, based on solidarity between all policyholders, could face various challenges in the years to come. Although certain regions are particularly exposed to natural disasters, the increase in insurance premiums remains relatively contained thanks to a distribution of costs on a national scale, also impacting less affected areas. To mitigate this increase in household budgets, “cities like Paris, Lille or Grenoble are exploring solutions such as the establishment of insurance groups in order to limit the repercussions of increases on social housing », Explains the specialist.

Faced with these price increases, the president of Leocare explains that paying attention to the details of your contract is more important than ever. “Many historical insurers offer standard formulas, which are not necessarily adapted to your needs and are often too expensive To save money, it is therefore possible to look in detail at your contract, adjust the guarantees, compensation ceilings and deductibles according to your real needs.concludes Christophe Dandois.