The lines are multiplying on home contracts and certain options go under the radar. Result: dozens of euros paid more, often for a guarantee already covered elsewhere.
When we talk about home insurance, we mainly think of water damage, burglaries or storms, rarely the details of the options. The contract is signed, automatically renewed, and we never come back to it. However, from one year to the next, the bill climbs, not only because of general increases, but also because of guarantees added almost by default.
The increases planned for 2026 also risk making these lines even more visible. After an already marked increase in 2025, home insurance prices are expected to increase by another 6 to 7% this year. Owners will be more affected than tenants, and certain geographic areas, more exposed to bad weather and daily disasters, will see their contributions increase more sharply. Added to this is the natural disaster surcharge, which now weighs several tens of euros per year on each contract. In this context, every option counts.
By looking closely at their contract, many policyholders discover that they are paying between 20 and 80 euros each year for guarantees that they never really chose. They were offered during subscription, sometimes checked by default, sometimes presented as obvious. At the time, we accept, we tell ourselves that it can be useful, then we forget, until the budget becomes a little tighter. The problem is not so much the existence of these options as their accumulation. Over the years, we take out car insurance, mutual insurance, a bank card with extended services. Each of these contracts already includes specific protections. Result: we find ourselves covered several times for the same situations, particularly for legal protection.
The latter promises help in the event of conflict and protection in the face of administrative unforeseen circumstances. However, in reality, when a dispute arises, many people first contact their bank, their car insurer or their mutual insurance company, without realizing that they have already paid for an equivalent guarantee via their home insurance. A detail to check on your contract…
