The housing insurance: a guide

Livinfrance team
Published on
October 26, 2022
Last updated on
November 21, 2023

In France, housing insurance, commonly known as "assurance habitation", is a crucial aspect of homeownership and rental agreements. It provides essential protection for both property owners and tenants against unforeseen events that could result in financial losses.This article aims to shed light on the fundamentals of housing insurance inFrance, outlining its significance, coverage options, and legal requirements.


Housing insurance plays a pivotal role in safeguarding individuals and families from potential financial burdens arising from various incidents. Whether you own a property or rent one, insurance coverage is highly recommended to protect against incidents such as theft, fire, natural disasters, water damage, and civil liability. For homeowners, housing insurance offers peace of mind by ensuring their most significant investment remains protected. On the other hand, tenants benefit from a rental insurance policy, which covers their belongings and provides civil liability coverage for any damages caused to the property.

Housing insurance is a must!

Upon signing a lease for ahouse, apartment, room, or residence in France, securing housing insurance becomes an immediate and mandatory requirement. For international students renting in France, it is crucial to comprehend that housing insurance is not discretionary but a legal obligation. As soon as you finalize the lease for your preferred accommodation, it becomes compulsory by law to have valid housing insurance in effect, ensuring you comply with the necessary regulation sand safeguard your living space and belongings.

Protecting your home and belongings

Housing insurance provides indispensable protection for both your living space and personal belongings, offering a safety net against unforeseen life events that may arise. Whether it's extreme weather conditions wreaking havoc,instances of vandalism or burglary, devastating fires, or water damage, having the right housing insurance ensures you are shielded from potential financial burdens. Without this crucial coverage, you could find yourself solely responsible for covering the costs incurred due to these incidents, which could be overwhelming and impact your financial well-being. Embracing housinginsurance allows you to navigate life's uncertainties with confidence, knowing that your home and belongings are safeguarded and your peace of mind remains intact.

Requirements and check-out process

When the time comes to conclude your tenancy and check out of your rented accommodation, your landlord will request evidence of your housing insurance. This essential requirement is put in place to verify that you have fulfilled the legal obligation and possess the necessary coverage to safeguard both yourself and your landlord's property throughout your stay. It is of utmost importance to ensure you provide the required insurance, as failing to do so may lead to the landlord denying your entry to the property. By presenting the proof of housing insurance at check-out, you can assure a smooth transition and uphold your responsibilities as a responsible tenant.

Our solution

We understand that navigating the process of obtaining housing insurance in a foreign country can be overwhelming. However, we have made it easy for you. Through our online platform, you can complete the registration in less than 5 minutes. We have already compared various options to find the best insurance solution tailored to your needs. Rest assured that by securing housing insurance through our platform, you will be financially protected, allowing you to enjoy your time in France with peace of mind. So, don't panic and register now and experience a seamless and convenient process directly on our platform.

As you embark on your exciting journey as an international student in France, preparing for your stay entails addressing various essential aspects, including housing insurance. Meeting the mandatory housing insurance requirement holds significant importance, as it is not merely a formality, but a crucial legal obligation that provides you with essential financial protection in the face of unexpected events. The last thing you want is to be caught off-guard by unforeseen circumstances without adequate coverage. However, fear not, as navigating the insurance process need not be a source of stress. We are here to assist you every step of the way with our user-friendly online platform. With just a few clicks, you can swiftly secure your housing insurance, freeing your mind to fully immerse yourself in the enriching experience of studying in France with peace of mind. So, rest assured that we have your best interests at heart, making the insurance process seamless and hassle-free, so you can embark on your French adventure confidently and embrace all that this remarkable opportunity has to offer!

a black and white picture of a house
Blog home
a black and white map pointer icon
a black and white image of a graduation cap
a black and white speech bubble icon