Home insurance: the cheapest departments … and those where prices explode

The cost of home insurance becomes such that almost one in two insureds now hesitates to declare a claim, deplores Best Assurances. While observing very significant tariff differences depending on the departments.

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Owner lessor From an apartment, you have just found a new tenant. Before moving in, he must provide you with a certificate ofHome insurance. Unlike occupying owners, tenants are in fact obliged by law to take out a Home insurancerecalls Bestaux Assurances, in a study published on June 19. Gold “This expense post is becoming heavier for the French”underlines the broker. In 2025, insurance premiums – that is to say the amount paid each year to the insurer to cover the risks linked to housing, such as fires or water damage – have Increased in a range of 8% to 12%over a year. An increase linked to the leap of the surprise “Catnnat“, Intended to finance climate risk coverage and from 12% to 20% in January 2025.

But “”Price differences are significant depending on the departmentssometimes going from simple to double, to equal guarantees “underlines the broker. Beyond the geographic location, the amount of the home insurance premium depends on four main criteria, including the area of ​​the accommodation. The cost of double insurance almost between an area of ​​30 to 60 square meters and an area of ​​90 to 120 square meters. The type of accommodation also comes into account, A house costing 30% to 40% more expensive to ensure that an apartment. The status of the occupant of the accommodation also plays, the home insurance premium being on average twice as high for an owner as for a tenant. Owners wishing to contract home insurance must indeed ensure the entire property, while tenants are required to ensure that their civil liability liability as well as their personal property. Finally, the value of the goods and equipment obviously influences the amount of the insurance premium.

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Important tariff disparities depending on the region

Bestaux Insurance compared the cost of home insurance in the various departments, to Four types of insured. The first, a 25 -year -old bachelor, is a tenant of a two -room part of 40 square meters and has less than 10,000 euros in goods to be provided. The second, aged 35 and married, rents a T3 of 70 square meters and the value of his property does not exceed 10,000 euros either. The third profile, married and counting 55 spring, is an occupying owner of a five -room house of 100 square meters, with a capital to be provided between 10,000 and 20,000 euros. The fourth profile, a married quarantine and father of two children, is also the owner of a house, six rooms and an area of ​​145 square meters, with there too between 10,000 and 20,000 euros in goods to be provided.

In Paris, the tenant with a 40 square meters will have to pay 134.17 euros per year for his home insurance, i.e. 25.3% more than the national average 109.4 euros! It is in Sarthe that the tenant of a T2 will pay his cheapest home insurance, with an annual premium of only 90.83 euros. Also cheap, Indre (91.56 euros) and Morbihan (93.62 euros). Greases that are found with greater living areas. Thus, the tenant of a 70 square meters in the Alpes Maritimes or in the Bouches-du-Rhône, two departments particularly sensitive to the phenomena of drought, fires and floods, spending respectively 165.36 euros and 164.83 euros per year, against only 117.15 euros at the national level and 93.92 euros for La Lozère, the cheapest department.

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Station to climate risk

In the most expensive department, the Alpes-Maritimesa family, owner of a house of 100 square meters and wishing to ensure its goods up to 20,000 euros, will have to pay almost 400 euros per year, against a national average of 281.44 euros… and only 205.66 euros if it resides in Mayenne and 213.12 euros in Finistère. If our family lives in a larger house, 145 square meters, in the Bouches-du-Rhône, regularly victims of river floods in winter, the cost of their home insurance, of 532.2 euros per year, will be Almost 50% above average national of 352.45 euros!

“Although the insurance system is based on a logic of risk pooling (which brings together insured persons potentially exposed to identical risks), there are important tariff disparities, directly linked to the frequency and the intensity of the loss according to the geographic areas as well as to Cost of reconstruction or repairwhich can also vary depending on the zones ”, explains Samuel Bansard, president of Best Assurances.

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Municipal home insurance

This is why almost one in two insured (46 %) now hesitates to declare a disaster and 30 % give it up, for fear of seeing their premium fly away, regrets the broker. Who observes that, “To prevent insurance from becoming a luxury product”some local communities, such as Montreuil, Paris, Lille, Tourcoing or Créteil, negotiate municipal home insurance at rates accessible for their citizens.