How to control the cost of home insurance?

Surface area and place of residence

Le price of home insurance is directly correlated with the housing area. A factor that can significantly widen the price differences between regions. The latest UFC-Que Choisir study thus reveals a price difference that borders on 200 euros for a 5-room apartment. Île-de-France and Occitanie are generally among the regions where the average premium is the most expensive, while Brittany has the most attractive prices. In question, the occurrence of covered claims which differ across the territory.

Nature of risk

The claims commonly compensated by insurers are linked to climatic risks and burglaries. Two dangers unequally distributed over the territory. Homes located in the municipalities of Hérault are thus regularly exposed to the risk of flooding, while Île-de-France and Occitanie have a high probability of burglaries. These are all circumstances that may cause the amount of the premium to rise or fall without any consideration of the beneficiary's profile.

Status of beneficiary and insured property

The home insurance contract is compulsory for tenants and recommended for owners who are not subject to the legal obligation to subscribe. The status of the beneficiary may cause prices to vary depending on the insurer. L'tenant insurance mainly covers damage caused by fire, water damage or explosion. Landlords tend to cover all of their valuable assets with multi-risk housing contracts (MRH), which are also open to tenants.

How to act on the price of your home insurance?

To control the amount of his insurance premium, the beneficiary has a tight margin of maneuver. Its main levers consist of comparing insurers and offers before underwriting and sorting through guarantees in order to keep only those aimed at real risks in their region. Also watch out for duplicates, especially for the insurance of valuables, which may be covered by other guarantees.