Why do some French people pay 20% more for their home insurance than others? Geography partly explains these differences.
For many French households, home insurance is becoming a real budgetary headache. With a record increase of 12.8% in 2025, this compulsory expense eats into household budgets a little more each month. Faced with this inflation, many are trying to save money by eliminating certain options: legal protection, external theft guarantee, or even coverage of valuable objects. Others reduce compensation ceilings or forgo insuring their second home. While these strategies make it possible to reduce the bill in the short term, they can prove costly in the event of a major problem.
But not all French people are in the same boat in the face of this general increase. According to a report from the insurance comparator Lelynx, consulted by the magazine 60 Millions de consommateurs, geographical disparities reveal considerable gaps between French regions, with variations of up to 10%. This difference is mainly explained by exposure to climate risks and the frequency of natural disasters. “Between 2020 and 2023, the cost of climate risks was on average 6 billion per year”reports France Assureurs. For comparison, this amount was only 1.5 billion per year between 1982 and 1989, illustrating the worsening of climate change.
Regions most exposed to floods, storms and other extreme weather phenomena therefore suffer higher prices. It is in New Aquitaine that home insurance costs the most, with an average premium of 142 euros, compared to only 118 euros in Brittany. Provence-Alpes-Côte d’Azur follows closely with 130 euros, while Occitanie displays 133 euros and Auvergne-Rhône-Alpes 123 euros. Hauts-de-France (137 euros), Grand Est (130 euros) and Bourgogne-Franche-Comté (133 euros) are in an intermediate range. Corsica records a premium of 137 euros, Île-de-France 120 euros, Normandy 126 euros, Centre-Val de Loire 137 euros, and finally Pays de la Loire completes the ranking with 123 euros, just above Brittany.
This geography of prices directly impacts the purchasing power of families depending on their place of residence. For 2026, the outlook remains worrying. Olivier Moustacakis, co-founder of Assurland.com, anticipates “an increase between 5% and 8% for home insurance”, an increase that is certainly more moderate than in 2025, but which continues to eat into household budgets. In this context, comparing offers and negotiating with your insurer are becoming more than ever essential reflexes to limit the impact of these increases on the family budget.
