Home insurance made simple for international owners & tenants
Home insurance is mandatory for tenants in France and essential for owners. Protect your French home, its contents and your liability with a contract explained in plain English.
- Mandatory insurance certificate in minutes
- Owners, tenants & second homes
- Worldwide liability
Why choose this cover
Legal compliance
Get the insurance certificate landlords and notaires require, instantly and in English.
Second-home ready
Cover for properties left empty part of the year — a common need for cross-border owners.
Contents & valuables
Protect furniture, electronics and high-value items against theft, fire and water damage.
Responsabilité civile
Personal liability cover for you and your household, in France and abroad.
What this cover includes
Award-winning French property cover
Choose a French property insurance policy which has received several press awards for its flexibility and the breadth of its cover, with numerous options available. We provide French home insurance for primary and secondary residences with a bilingual after-sales service: we answer your queries and handle your claims in English.
A personalised quote in just a few clicks
Get a personalised home insurance quote in just a few clicks. Clear cover, flexible options, and full English-speaking support throughout your policy.
Expert guidance you can trust
Purchasing insurance in France can be confusing if you are unfamiliar with the system. We help you navigate French regulations and policy terms, ensuring you make informed and secure decisions.
How it works
Describe your home
Surface area, rooms and whether you own or rent — that's all we need to start.
Receive your quote
A clear, itemised proposal with no hidden French jargon.
Download your attestation
Sign online and get the certificate your landlord or bank is waiting for.
Options to complement the standard cover. If required, these should be included in the quote.
If not included in the standard cover or noted below, additional premium available upon request.
Replacement at brand new cost value
In the event of a claim, depreciation is not applied to contents, fixed elements and installations, external electrical installations, antennae and satellite dishes. Items of value, monies and financial values excluded.
Theft/vandalism Level 2
Theft of the following items outside your home: Electrical and electronic equipment, Sport and leisure equipment, Personal effects, Cash, Luggage and contents. Max 1 500 EUR.
Broken windows and other goods Level 2
Accidental breakage both inside and outside the home of electronic and electrical equipment, sport & leisure equipment, furniture and contents, sanitary equipment. Max 3 000 EUR inside the home, Max 1 500 outside.
Legal/Consumer Protection
Advice and financial help with legal problems affecting your property e.g. relating to items purchased to furnish your property or trouble with neighbours. Conditions apply to claims implicating a builder or 'artisan'.
External Installations
Damage to trees, greenhouses, pergolas, garden furniture, wells, concreted in barbecue, tennis courts, Jacuzzi/hot tub, septic tanks caused by fire, explosion, lightning, vandalism, collision with vehicle, hail, snow, natural catastrophe. Theft of gates. Max 50 000 EUR. Sub limits apply. Loss of water (conditions apply).
Renewable Energy
Cover for solar panels, wind turbines, air-conditioning units, geothermal and aerothermal installations caused by fire, explosion, lightning strike, vandalism, storm, hail, collision with vehicle, natural catastrophe. Theft of installations (conditions apply) Max 50 000 EUR. Sub limits apply.
Breakdown solution
In the event of a breakdown, repair of/replacement for household appliances and audio-visual equipment less than 5 years old and purchased new in France for between 150 EUR and 5 000 EUR. Only available if you have subscribed the replacement at brand new cost value option.
Public Liability Horses
Public Liability Chambre d'Hôtes / Public Liability Gites
Repayment of mortgage
If your property is uninhabitable following a claim, we pay your mortgage for the time it takes to repair the damage. Max 12 months / 16 000 Euros.
Justifiable financial loss
Following a claim, we cover justified financial losses other than the 'complementary claims expenses' e.g. interior decorators fees, up to 10% or 20% of the amount of the damage claim.
Home assistance Level 2 and 3
In addition to Level 1 i.e. claims assistance, domestic accident assistance, assistance with daily problems e.g. lost keys: Level 2: removals, emergency childcare for sick children, assistance hotline for employers of domestic staff. Level 3: Level 2 + DIY assistance hotline, analysis of builders/artisans quotes, organisation of property diagnosis.
For exact details of what is covered by/excluded from the above options please contact us.
Frequently asked questions
Get your free home quote
Fill in a few details and an English speaking advisor will create a tailored home quote for you. — No obligation.
- Mandatory insurance certificate in minutes
- Owners, tenants & second homes
- Worldwide liability
What our home clients say
Verified Google reviews of our Allianz agency in Ardres.
Highly recommended! My wife and I have used Osmose for our insurance in France (home and auto) for over a decade. We both speak French reasonably well, but when it comes to insurance, it is very helpful to be able to ask and answer questions in our native tongue (English). They are always super responsive and proactive. Recently they reached out to us to verify our level of coverage was correct and it resulted in a lower annual charge.
Osmose have done ALL of my insurance — house, car, health and travel — for five years now! Throughout that time they have been unfailingly helpful and friendly. HIGHLY RECOMMENDED.
The staff are so helpful and I couldn't recommend this business enough, especially as navigating French rules/policies can be so complicated at the best of times, so to find Allianz with their bilingual staff is absolutely brilliant.
I have been a customer for almost 9 years. I am extremely happy with the service and value for money. As a British immigrant I find it very useful to have an English speaking team that can then interface with the French side of Allianz. It isn't often that there is anything that needs sorting out but when it does it is very reassuring to know that the Osmose team is there to help resolve the matter.
Prompt and efficient communication, with all relevant documents sent over and responded to easily and accurately.
Very helpful and prompt with all queries. Also the bilingual service meant negotiation of house insurance was an easy exercise. Highly recommended.
Very easy to deal with. Prompt responses to any questions and can help you in either French or English.
I have always found both of the English speaking people that I have had dealings with to be more than helpful. This is particularly true during a recent, difficult claim where their help was absolutely invaluable.