The average price of home insurance now reaches 227 euros compared to 216 euros in 2022. But taking a closer look thanks to the MoneyVox Market Intelligence tool, we realize that, like car premiums, the place housing affects the amount paid by the insured. Tour de France.
Inflation, natural disasters… insurers are looking gloomy and this should have repercussions on the amount of the French home insurance premium. Increases of between 3 and 5% are expected in 2024 due to high claims and an increase in burglaries. In the meantime, the average price of home insurance now reaches 227 euros compared to 216 euros in 2022.
Thanks to the MoneyVox Market Intelligence tool, which analyzes the database of the Meilleurtaux broker, we have deciphered more than a million quotes issued since the beginning of the year to present to you the median price offered to customers for insure their housing – house or apartment – since the start of 2023. Like car insurance rates, place of residence is an important criterion when the insurer determines the rate it considers to correspond to your risk…
Large gap Corsica – Brittany
First observation, the median annual premium is within a gap of 30 euros, or less than 3 euros per month. Corsica occupies the unenviable position of the most expensive “region” while Brittany brings up the rear with a median price of 121 euros. Beyond Corsica, regions in the south of France such as Provence-Alpes-Côte d’Azur or Occitanie are overtaxed due to a higher level of crime, according to insurers.
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Another figure highlighted by our tool, 25% of median premiums are below 100 euros while another quarter exceeds 210 euros.
| Region | Median annual amount of home insurance premium |
|---|---|
| Corsica | 151 euros |
| Provence-Alpes French Riviera | 143 euros |
| Occitanie | 142 euros |
| New Aquitaine | 141 euros |
| Hauts-de-France | 135 euros |
| Burgundy France-Comté | 135 euros |
| Ile-de-France | 134 euros |
| Center-Val de Loire | 133 euros |
| Great East | 130 euros |
| Normandy | 127 euros |
| Pays de la Loire | 122 euros |
| Brittany | 121 euros |
Source: MoneyVox Market Intelligence – October 5, 2023
But the situation is deteriorating everywhere: in Brittany and Pays de la Loire, burglaries have jumped by 41% and 21% respectively in 2023, with the direct effect of increasing the amount of the premium by almost 10% since then. a year.
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To limit the effects of these increases, it is advisable to analyze your contract regularly to see if it still meets the needs of the household. In the home insurance market, as in auto insurance, companies are ready to make commercial gestures to attract new customers.