Your Holiday Home in France Well Insured
France is the dream destination for one second home. From the lavender fields in the Provence to the glamor of the Cote d'Azur, of the castles in the Dordogne to the rugged coast of Brittany.
Although in France you have a Assurance Multirisk Habitation can close, offers a Dutch holiday home insurance key benefits: better All-risk coverage, Dutch service without language barrier and simple claims handling.
In France the valuation of your home is based on number of rooms, not on the rebuilding value. This can lead to underinsurance in the event of damage. With a Dutch policy you determine the rebuilding value yourself.
Where is your holiday home located?
Provence & Languedoc
Lavender fields, vineyards and sunny villages. The heart of the South of France.
Cote d'Azur
The French Riviera with glamorous seaside resorts and azure blue sea.
Dordogne & Loire
Castles, vineyards and history. The green heart of France.
🇫🇷 Also Insured in Other Regions
In addition to the popular regions, we insure holiday homes throughout France (except Corsica):
- ✓ Brittany & Normandy: Rugged coasts, cider and history
- ✓ Ardèche & Auvergne: Volcanoes, nature and tranquility
- ✓ French Alps: Chamonix, Annecy, ski areas
- ✓ Bordeaux & Aquitaine: Vineyards and Atlantic coast
NB: Corsica is excluded from coverage.
What is insured?
Fire & Explosion
Damage due to fire, explosion, lightning strike and soot deposits.
Storm & Tempête
Damage from storms, hail and precipitation.
Water damage
Leakage, pipe burst and flood damage.
Vol avec Effraction
Theft with signs of forced entry and vandalism.
Bris de Glace
Breakage of windows, doors and sun blinds.
Responsabilité Civile
Liability towards third parties up to €500,000.
🌊 Catastrophe Naturelle: Natural Disasters Coverage
In France, cover for natural disasters is legally required in every home insurance policy:
- ⚠️ Informations: Floods from rivers or heavy rainfall
- ⚠️ Secheresse: Drought damage and cracks due to clay soil (common!)
- ⚠️ Movements of the terrain: Subsidence and landslides
- ⚠️ Seisme: Earthquakes (rare but covered)
- ✓ Dutch policy: Insured if officially declared by French decree
💡 Payment only after official recognition via interministerial decree. Declaration within 30 days.
🇳🇱 vs 🇫🇷 Dutch or French Insurance?
🇳🇱 Dutch Policy
- ✓ All-risk coverage possible
- ✓ Dutch service, no language barrier
- ✓ Determine the reconstruction value yourself
- ✓ Vacancy covered as standard
- ✓ Rental also insured
- ✓ Return cover (travel costs)
🇫🇷 French Policy (MRH)
- → Assurance Multirisk Habitation
- → Communication in French
- → Value based on number of rooms
- → Clause d'inhabitation (limited vacancy)
- → Catastrophe naturelle included
💡 French policies often have a clause d'inhabitation: no cover in the event of vacancy (60-90 days)!
🔑 Rental: Gîte, Location Saisonnière or Airbnb
Do you rent out your holiday home in France? With our insurance you are covered:
- ✓ Rental up to 26 weeks/year: To family, friends or holiday guests
- ✓ Gîte & Location saisonnière: Seasonal rental also insured
- ✓ Platforms: Airbnb, Booking.com, Abritel, Le Bon Coin
- ✓ Liability: Damage to guests covered up to €500,000
- ⚠️ Taxe de sejour: Mandatory payment of tourist tax
- ⚠️ Mairie: Notification to the municipality is often mandatory
📚 French Insurance Concepts
💰 Premium indication Holiday home France
| Type of property | Reconstruction value | Premium/month |
|---|---|---|
| Apartment | €100,000 - €200,000 | €18 - €35 |
| Holiday home Dordogne | €150,000 - €300,000 | €25 - €45 |
| Mas Provence | €200,000 - €400,000 | €35 - €60 |
| Villa Cote d'Azur | €400,000+ | €50 - €85 |
| Insure household contents | €20,000 - €75,000 | +€10 - €25 |
* Homes on the Côte d'Azur are more expensive due to higher values. Allrisk is approximately 20% more expensive.
⚠️ Not Covered / Exclusions
- ✗ Corsica: Excluded from coverage with Dutch insurers
- ✗ Permanent residence: Only as a second home
- ✗ Poor maintenance: Damage due to overdue maintenance
- ✗ Vandalism by tenant: Damage by tenants themselves
- ✗ Commercial rental: More than 26 weeks/year
🏊 Swimming pool in France: Obligations
- → Security required: Fencing, alarm, cover or shelter required
- → Standards NF: Security must meet French NF standards
- → Fine: Without security fine up to €45,000
- → Insurance: Insure a swimming pool on your policy
💡 Tips for Your Holiday Home in France
- ✓ Choose Dutch policy: Better all-risk coverage and service in your own language
- ✓ Check Clause d'Inhabitation: French policies often do not cover vacancy
- ✓ Correct reconstruction value: French policies base on rooms, not value
- ✓ Report to Mairie: Registration with the municipality is often required when renting
- ✓ Securing a swimming pool: Fencing/alarm mandatory in France
- ✓ Draining pipes: Prevent frost damage during winter vacancy
