Which regions pay the most for home insurance in France?
One region is bucking the trend for higher premiums linked to climate-related claims
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Home insurance is rising once more in 2026 for almost all regions, except one, with the national average price now totalling €202 per year, a 2% rise from last year.
Apartment insurance is seeing the biggest price increase, of up to 2%, with an average €155 per year, while house insurance remains more or less stable at an average of €271.
Property owners usually pay the highest premiums, followed by non-occupying landlords. Among tenants, those renting unfurnished apartments statistically pay more for insurance compared with tenants renting furnished accommodation.
The most expensive regions
When it comes to the most expensive regions for apartment insurance, Provence-Alpes-Côte d’Azur takes first place with an average price of €169 per year, with tenants usually paying €159 and homeowners €206.
Île-de-France follows closely behind, ahead of Auvergne-Rhône-Alpes, Occitanie, and Grand Est.
Provence-Alpes-Côte d’Azur was also the most expensive region for insuring houses, followed by Île-de-France, Occitanie, Nouvelle-Aquitaine, and Grand Est.
There is one region however where home insurance not only remained stable since last year, but even fell for house insurance.
Brittany proves an exception
This was Brittany, which ranked as the most affordable region for home insurance, with apartment rates remaining stable since 2025. Tenants pay €114 per year on average, and owners €139.
House insurance, on the other hand, saw a 1% decline since 2025, with tenants paying €193 on average per year and owners €229.
The rise in insurance costs is not unexpected, with the consumer association Que Choisir publishing a warning in 2025 explaining that home insurance prices were set to increase due to rising climate-related claims under the CatNat scheme (catastrophe naturelle).
This means that more claims are being made for home damage caused by storms, hail, floods, and droughts, pushing insurers to raise their prices to cope.
In 2024, more than 4.6 million insurance claims were settled, totalling €8bn, of which more than €5bn was linked to climate-related claims.
Finally, major floods in the west and south of the country have led to insured losses of between €2.5bn and €3bn, meaning further increases are expected in the coming years.
