Discover the cities where home insurance costs the least

The budget for home insurance can vary from one to two depending on the location of the property and its exposure to risks. This has increased considerably in 2022: the Ministry of the Interior calculates more than 210,000 burglaries in 2022, an increase of 11% compared to 2021, as well as losses related to natural disasters, which in 2022 are estimated to be more than 10 billion euros. So if your town is regularly hit by floods or burglaries, the cost of home insurance will be mathematically higher.

According to a 2020 study by the digital insurance company Acheel, which has almost 500,000 policyholders, home insurance is the most expensive in Paris, with an average annual price of around 138 euros. This study is based on a sample of 100,000 comprehensive home insurance contracts concluded between May 2021 and January 2024 across France, all formulas and surfaces combined, for houses and flats. It is followed by Boulogne-Billancourt in the Hauts-de-Seine (92) with an average price of 130 euros per year. Marseille (13) is not much better off with household insurance at €129. Montreuil and Saint-Denis (93) also appear in the top 5 with respective bonuses of 128 and 124 euros. In Île-de-France, Provence-Alpes-Côte d’Azur and Occitanie, the amounts are higher due to the increasing number of vandalism and burglaries, but also in the Occitanie region and the Paca region due to the increase in climate disasters.

Conversely, Brest (69 euros/year), Rennes (70 euros per year) and Angers (72 euros per year) are doing well with premiums under 100 euros. We find Caen and Limoges in the top 5 with prices around 78 euros for one and 79 for the other. The regions of Brittany, Pays de la Loire and Centre-Val de Loire and Normandy are the regions with the least losses linked to climate phenomena or crime. “Lower construction costs in Brittany may also be an explanatory factor. Delinquency rates used to be lower, but are now turning around. I think a city like Rennes will not stay second next year», evaluates Ralph Ruimy, co-founder of Acheel. We thus find a price difference of 66% between Brittany and Île-de-France and 44% between Pays de la Loire and Provence-Alpes-Côte d’Azur.

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