Overview
- The Assurland barometer published Monday July 20 shows the national average annual home insurance premium climbed to about €310 in 2026, an increase of roughly €36 or 13% from 2025.
- Assurland attributes the rise to large, recurring climate-related payouts that reached billions annually in recent years and to repair-service costs that rose about 12.3% from end‑2021 to end‑2025.
- Regionally the increases vary sharply with Île-de-France up about 15.5% to €314 and Nouvelle-Aquitaine recording the biggest jump at +20.2%, while Corsica had the smallest rise but remains the most expensive at €361.
- Houses are far costlier to insure than apartments, averaging €422 per year versus €200, because detached homes face greater exposure to weather and higher reconstruction bills.
- Individual cases in exposed departments such as Seine‑et‑Marne and Essonne show how the trend hits households: claim processes can be lengthy, repair bills large, and resulting premium shocks felt directly by homeowners.