Home insurance comparator
The insurance comparator works with dozens of players in the sector to offer you personalized quotes in a few minutes. Free , this tool allows you to find the home insurance adapted to your needs and your budget in order to protect you, your loved ones and your home.
Summary:
- Home insurance comparator
- Taking out home insurance
- Termination of home insurance
- Inexpensive home insurance for small budgets
- Owner's insurance
- Tenant insurance
- Compare contracts and warranties
- Frequently Asked Questions (FAQ)
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What is a home insurance simulation with a comparator?
A home insurance simulation gives you access to a multitude of market offers , according to your needs and your profile. Several rates are offered so that you can choose a home insurance offer that suits your wallet .
For this, our comparator contains a form collecting information on the occupants (family, roommate, owner or tenant, etc.), the type of accommodation (house or apartment) as well as your movable property in order to make an estimate as accurately and as accurately as possible. at the best price.
Why make an insurance comparison for your house or apartment?
Quite simply because it is the simplest solution to find the ideal formula and at the best cost . It is essential to compare the services of different insurance companies such as La Maaf, Crédit Agricole, La Poste, Allianz, April, Macif or L'Olivier.
How to find the best insurance?
The best one is the one that will meet your needs, taking into account the amount of value of your furniture as well as the level of assistance desired . This is why it is necessary to compare to have optimal coverage thanks to the best home insurance .
To find the best home insurance, comparison is the most effective way. This is why our comparator examines the offers on the market for you. You save time but also money by finding the ideal housing contract.
The best insurance will be the one that:
- Meets your needs
- Covers potential damage to your furniture
- Protects you in the event of disaster and vandalism
Taking out home insurance
- Online and immediate insurance
Nowadays, you no longer need to go around the agencies of companies or brokers. Indeed, you can opt for a 100% digital service on the Internet by choosing to take out home insurance online.
In addition to traditional ones, the comparator helps you access all 100% digital offers. You will then only have to take out home insurance directly online, after consulting the quotes. An electronic signature signifies your consent. You can also be assisted by an advisor within the framework of a subscription by telephone.
How to get a certificate quickly?
Once the subscription has been made, you will then receive a certificate of home insurance . In some cases, it will be temporary while an advisor processes your file and finalizes the subscription to your contract. You will then receive the final one, generally after your first direct debit.
What is the withdrawal period?
Each insured has the possibility to withdraw within 14 days if:
- The home insurance contract was concluded online
- The contract was signed following a telephone or door-to-door canvassing
- The contract follows a direct mailing by e-mail or by post
- No claims for damages were made during this period
You must notify your insurer by registered letter with acknowledgment of receipt , without justification , to be sent to the head office or to the customer service address if it is different.
Termination of home insurance
Following a comparison, you decided to change insurance? Find out about the procedures and conditions for terminating your home insurance.
In which cases does one observe a termination of insurance?
The termination of an insurance contract can sometimes scare more than one. Synonymous with administrative constraints, this process is now made easier. Let's see together the different conditions for breaking your contract.
- Cancel with the Hamon law
Since 2015, you have the possibility to cancel at any time, after the 1st year of subscription
Cancel with the Châtel law
The Châtel law requires the insurer to inform you of the notice period for terminating your contract . In other words, the insurer must indicate, via a notice of expiry , the tacit renewal of your contract, between 3 months and 15 days before the anniversary date.
If your expiry notice is sent to you less than 15 days before the deadline , you have 20 days from receipt to terminate your contract. On the other hand, if the notice contains no date, you can break the contract at any time.
- Cancel at the end of the contract
You have 2 months before the due date to cancel. To do this, you must send a registered letter with acknowledgment of receipt to your current insurer.
To help you in your steps, offers you a free termination letter. This termination letter template is a generic version that needs to be personalized with your personal information.
Can your insurer cancel your contract?
The answer is yes. An insurer may terminate a housing contract for one of the following reasons:
- At each expiry of the contract , without justification
- In the event of non-payment of contributions by the due date
- After a claim for which the reason was provided for by the guarantees
- For omission or misrepresentation
Following the death of the insured , after having transferred the contract in the name of the heir and within 3 times from the date of the transfer request by the heir.
Inexpensive home insurance for small budgets
Home insurance is compulsory in certain cases, for example if you are a tenant. However, insurance premiums represent a real cost for some households.
In order to find the cheapest home insurance , opt for the comparison ! By competing, you will have easy access to inexpensive insurance while providing you with the necessary protection.
Our comparator gives you the possibility to rank the offers in ascending order in order to select an offer cheaper than your current contract.
Owner's insurance
If you own real estate, you are not required to insure it . However, taking out home insurance is strongly recommended, in particular to protect you against damage caused to a third party , but also damage caused to occupants and your home.
If the property is unoccupied, as part of a rental investment for example, you have the option of taking out non-occupant owner insurance to cover you in the event of a claim (theft, fire, vandalism, etc.) or other rental hazards . This is valid if the property is occupied free of charge , even if the insurance is not compulsory.
What to do in case of unpaid rent?
Are you nervous about renting your property? Unpaid rent insurance provides you with some security as a landlord. Indeed, thanks to this contract, you are protected against the deterioration of this property or payment defaults .
And in the case of a joint ownership?
A co- ownership concerns real estate complexes whose ownership is divided between several owners. If the accommodation is part of a condominium, you are required to take out minimum insurance with civil liability cover . Each owner is thus covered for damage from personal accommodation.
Then, the condominium must be covered by condominium insurance , at least with regard to civil liability. Unions are required to take out home insurance of this type.
Tenant insurance
The law obliges the tenants of a furnished or unfurnished property to take out home insurance covering at least the damage caused to third parties ( civil liability ).
- To choose the appropriate insurance plan:
Evaluate as closely as possible the amount of your movable property to be insured , because the higher it is, the higher the premium will also be, especially in the event of re-equipment;
Secure your property. You could benefit from a more advantageous rate if you have smoke detectors or an alarm protecting you from aggression or vandalism;
Favor the annual payment , very often if you pay your contribution to the year, it will be a little lower.
What to do when you are a student?
Regardless of the type of property chosen, individual studio, 2 rooms or more, shared accommodation, it is mandatory to take out insurance in the case of a rental.
The best way to find the cheapest offer is to compare and evaluate the formulas designed for young students and choose the one that best suits them.
In the case of shared accommodation , it is sufficient that at least one of the persons is insured for rental risks . Ask your roommate to avoid duplicate guarantees!
- Understand the prices offered
Insuring your property is not mandatory for everyone, but it is still strongly recommended . Home insurance protects you against damage that could affect third parties, your property and your family.
The premium for home insurance varies according to:
- Your profile and your situation (married, dependent children, etc.)
- The type of accommodation and its characteristics (surface, number of rooms, etc.);
- The guarantees taken out;
- The furniture to be insured (furniture, household appliances, trinkets, etc.).
To obtain the premium during your home insurance simulation , simply complete our form. You will be offered a quote from among the various home insurance quotes offered.
Every budget to find its account. There are several formulas to ensure a complete level of protection for each occupant of the household in order to protect you in the event of damage to your property, theft or even unforeseen events such as the loss of keys.
To be insured is to benefit from important services in case of need and from all the assistance necessary for optimal comfort.
What are the home insurance prices?
Thanks to the figures, you will be able to observe the home insurance prices practiced on the market.
According to the barometer, a person pays €180 to insure their property. There are 152 € for an apartment and 235 € for a house. The price varies by city. Indeed, it will not cost the same in Paris as in Marseille or Lyon.
Compare contracts and warranties
You must be attentive to your needs in order to identify the options that are essential to you. It is important to pay attention to compensation in the event of a claim . By using the service, the process is made easier for you. To help you in your choice, let's take a look at the home insurance guarantees you can take out.
What is multi-risk home or MRH?
Multi -risk home insurance is the most complete formula with the highest level of protection and assistance . It can be taken out whether you are an owner or a tenant. Many guarantees are offered there and you can supplement them with options if necessary.
What are the guarantees ?
The following guarantees are included in all MRH contracts.
- Personal liability
This option is included in all home insurance contracts , MRH or not. It covers compensation for damage that you (or a member of your household) have caused to a third party.
- Property damage cover
This warranty protects your property against deterioration, destruction or loss. It is very interesting if you have high-tech, cultural furniture, high-value household appliances.
- Water damage
You are protected against all risks related to the action of water but also against infiltration causing material or immaterial damage or even in the event of a water leak at your home or at a neighbour's.
- Fire
Fire insurance guarantees your movable property that is on site at the time of the disaster. Electrical appliances, clothing and valuables are therefore covered.
- Broken glass
Glass breakage insurance covers your doors , window panes , glass partitions , roof skylights and sometimes glazed balconies in the event of damage following bad weather, a household incident or an attempted break-in.
- Heist
If you have been the victim of a break -in, a theft at your home, this option will help you to be compensated for the damage suffered.
- Vandalism
The vandalism guarantee compensates you in the event of “ damage to furniture and/or property knowingly caused by people during a theft or for the sole purpose of causing damage ”.
- Natural disasters
Flooding , drought or earthquakes are events that can cause significant damage to your property . This is the reason why this option protects you in this type of event.
- Flood
This guarantee falls more broadly within the compensation for natural disasters . For this, it is necessary that an inter-ministerial decree be published before taking the steps with your insurance.
- House cracks
Cracks in your home have different origins including water infiltration, drought or a construction defect. However, you can be compensated via the natural disaster guarantee of your insurance.
What are the optional guarantees?
- School insurance
It is possible to add a school insurance to your formula in order to protect your children from the risks for which they could be responsible or which they could suffer.
- Electrical damage
The electrical damage option allows you to be compensated in the event of an electrical accident caused by electrical appliances connected to the mains of the insured property. It can be household appliances, high-tech and electrical installations such as the boiler.
- Warranty extensions
Sometimes, extensions will also be offered to you by insurers to cover some of your personal property such as your mobile phones , computers or tablets.
Several insurances offer guarantees for owners of verandas , gardens or swimming pools .
Should you choose home insurance with or without deductible?
The deductible in home insurance is the amount that remains the responsibility of the insured after compensation from the insurer following a claim.
Conversely, in the case of home insurance without deductible , the entire loss is borne by the insurance. The main advantage of this type of formula is economic.
What to do in case of disaster ?
- File a claim
To make a declaration of loss , you must send it by email or by registered mail with acknowledgment of receipt, taking care to respect the legal declaration deadlines.
In some cases, you must first file a complaint with the competent authorities before sending a claim to your insurer.
- Compensation deadlines
The delays are more or less long. For small claims in your home, you will have to count less than a month while for the most important, count on average a month, or even more when the passage of an expert is necessary.
Frequently Asked Questions (FAQ)
What is the average price of home insurance?
On average, a person pays €184 per year according to the housing barometer carried out in 2017. By comparing on our site, you can save on your annual premium.
What are the different home insurance guarantees?
Home insurance contains basic guarantees such as water damage guarantee, fire guarantee, glass breakage guarantee, theft or natural disasters. You can add to this options to ensure landscaping, appliances, legal protection, etc.
What is the best home insurance?
According to Argus de l'assurance, the best home insurance is Covéa, Crédit Agricole and Groupama.
What is the cheapest home insurance?
If you want to take out the cheapest home insurance, we advise you to go to Selfassurance, Lovys or AcommeAssure with prices ranging from 100 euros to 130 euros on average per year.
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