Under pressure from the government, last year, insurers pledged to moderate the rise in premiums for insurance contracts below the level of inflation this year… but that was without counting on the increase in burglaries (11% on average) and climatic claims: the average price of home insurance would, to date, be up 5%, according to data collected by the comparator Assurland.com.
Because although annual inflation is projected at 5.6% this year by INSEE, such an average actually augurs higher increases than the general rise in prices for many policyholders: the disparities in the increase in premiums are strong from one region to another, notes the comparison platform.
In Brittany and the Pays de la Loire, the mid-year variation is greater than 10%: 10.68% for Brittany, where the number of burglaries has exploded by 40%, and 10.39% for the Pays de the Loire. In Bourgogne-Franche-Comté and Occitanie, the increase is more than 8%.
Slight drop in premiums in Ile-de-France
On the other hand, Ile-de-France is doing well. Less impacted by climatic disasters than many other regions, it posted a slight drop in prices, of 0.25% on average. Between these two extremes, the Centre-Val de Loire, the PACA region recorded increases of less than 4%, the Hauts-de-France are at +5%.
Despite this inflation, Brittany remains the region where home insurance is the most affordable, at €189 per year on average. In comparison, it reaches €241 in the Paris region, €249 in PACA, and €251 in Occitanie.
The constrained purchasing power of the French has also not diverted them from the most covering insurance contracts, notes Assurland.com. 56% opt for the “refitting new” formula, which is more expensive but more protective.
” You have to pay 20 to 25% more than for the one with dilapidation deducted but offers better compensation in the event of a claim (replacement of furniture on the basis of the value of new)”specifies the platform.