Home insurance premiums rose in 2026, but Brittany remains the most affordable region.
Home insurance premiums saw an increase in 2026, according to a study by the comparison site Assurland. Despite this general rise, the Brittany region continues to be the most affordable area for home insurance in France. The study also highlighted a significant cost difference between insuring a house and an apartment. Houses are more than twice as expensive to insure compared to apartments. This disparity is largely attributed to a house's greater exposure to adverse weather conditions.
The study by Assurland reveals a dual trend in French home insurance: rising premiums overall, yet persistent regional affordability disparities. The higher cost of insuring houses versus apartments, linked to weather-related risks, underscores the impact of environmental factors on insurance pricing. This suggests a growing need for insurers to refine risk assessment models, potentially incorporating climate change projections more deeply. For consumers, the findings emphasize the importance of regional location and property type in managing insurance expenses, prompting a re-evaluation of housing choices based on long-term financial implications beyond initial purchase price.
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