Before picking up the phone to lower the amount of your home insurance, estimate the value of your property but above all its evolution. For example, if you declared a certain amount for furniture and objects acquired at the start of the contract, but you have not purchased anything since, make sure to lower this amount. “ It is important to reevaluate regularly your situation and thus determine what guarantees are essential to protect your home », underlines Cédric Ménager, general director of the comparator lesfurets.com.
Likewise, if you have since installed new tools better securing your home, such as an alarm, an armored door or a remote surveillance system or, on the contrary, the removal of equipment or the departure of certain members of the household, this is a strong argument for reducing the premium. Also be wary of sometimes unnecessary options such as re-equipment if you do not have recent furniture, school insurance, which is perhaps already included via your mutual insurance or even possibly empty outbuildings.
Compare to pay less
In force since 2015, the Hamon law allows each policyholder to terminate their contract at any time after one year, without cost or justification. “ We advise to bring in competition to compare offers and choose the one that best suits your profileadvises the director. Comparing with us, we are talking about savings of up to 480 euros per year on home insurance. “. The right technique? Compare at least three recent quotes with identical guarantees.
Even better, if you find cheaper elsewhere, don’t leave your insurer on a whim, call an advisor to say: “I am satisfied with your services but the competition is offering me the same contract for so many euros less, what could you do? “. There is a good chance that you will be offered an attractive offer. This will prevent you from continuing to pay for your loyalty since insurance companies cut prices to attract new customers, while discreetly increasing the premiums of historical subscribers each year via indexation.
Prices linked to the environment
According to the MRH 2026 insurance barometer (developed on the basis of more than 350,000 quotes made in 2025 and 2026 at lesfurets.com), the average price of home insurance is 202 euros per yearup 2% compared to 2025. How can we explain it? “ The resurgence of natural disastersexplains Cédric Ménager. Added to this are more frequent and more intense climatic phenomena. Another factor: the multiplication of everyday disasters such as water damage, which has increased sharply in recent years “.
Clearly, disasters are both more numerous and more expensive. “ The frequency is increasing in particular due to climatic hazards, while the cost of repairs has been driven up by the continuous evolution of the building index for several years », he explains. In detail, the average price of insurance for an apartment is €155 per year (up 2% compared to 2025) while the price for a house is €271 per year (stable compared to 2025).
