Assurance habitation
Assurance habitation is French home insurance covering your dwelling and belongings, and is mandatory for tenants (locataires).
Assurance habitation operates in the French Insurance segment.
Assurance habitation: Core Facts
- Definition
- Home insurance covering your dwelling and belongings
- Mandatory for
- Tenants (locataires) must hold it
- Includes
- Responsabilité civile plus cover for the home and contents
- Common form
- Multirisque habitation (MRH) bundling several risks
- Owners
- Have more flexibility but often insure voluntarily
- Offered by
- Mutuals like MAIF and Macif and insurers like AXA
- Cancellation
- Switchable any time after one year under the loi Hamon
- Regulator
- ACPR
- Status
- Active Definition
- Verified
How Assurance habitation compares
Assurance habitation is NOT optional for tenants and NOT the same as responsabilité civile alone; it is home cover that includes liability plus protection of your dwelling and belongings. Owners may have more flexibility, but renters must hold it.
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Assurance habitation: Frequently Asked Questions
What is assurance habitation?
Assurance habitation is French home insurance covering your dwelling and belongings, and it is mandatory for tenants (locataires).
Is assurance habitation mandatory in France?
Assurance habitation is mandatory for tenants, who must hold it for their rented home, while owners have more flexibility but often take it out voluntarily.
What does assurance habitation cover?
Assurance habitation includes responsabilité civile plus cover for your dwelling and belongings, commonly sold as multirisque habitation (MRH).
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Where Assurance habitation is mentioned on How to France
Guides and reference pages on this site that mention Assurance habitation:
Maintained by Jules de Bruin (How to France). This page follows the Grounding Page Standard v1.5. Last verified: 2026-06-23.