Compare characteristics and costs
Home insurance: cover, excesses and exclusions
Prepare a comparison of home insurance with the same housing, the same risks and the same values to cover.
Quick response
Essential in a minute
Present the same accommodation and the same situation to each insurer. Then compare guarantees, limits, deductibles, exclusions and assistance with the full annual contribution. A cheaper formula can leave more expenses to your expense.
Describe the same dwelling
Prepare address, surface, number of pieces, occupancy status and particularities requested by the insurer. Do not change these assumptions between two quotes to get a lower price: the contracts would no longer cover the same situation. Report dependencies, valuables or equipment that require precision and keep your returns.
- Same assumptions in each quote.
- Dependencies and equipment described.
- Value of assets estimated.
Read the guarantees and their limits
Remove covered events, warranty ceilings and exclusions. Distinguish the protection of the building, property and liabilities covered. A formula called comfort at two insurers does not necessarily mean the same content. Ask for a written clarification for situations that concern you particularly.
- Line-by-line close guarantees.
- Ceilings and exclusions raised.
- Distinguished optional options.
Compare the deductible and the method of compensation
The deductible describes a portion that remains dependent on the rules of the contract. Take up its form and amount for each guarantee, then the modalities of valuation of the property and the possible outdated. An example of a fictitious claim helps to ask questions, but does not replace a decision to take over by the insurer.
- Franchise raised for each guarantee.
- Method of valuation of the goods read.
- Verified replacement conditions.
Calculate the contribution and prepare the steps
Compare a full annual amount, including fees and selected options. Check payment terms, contribution changes, claim reporting and means of contact. Before a change, confirm the effective date and procedure to avoid an uncovered interval. Consult the public rules and contract for your status.
- Annual contributions and fees included.
- Coordinated coverage dates.
- Recovery procedure.
Compare
The information to be collected in order to compare
| Criteria | Note | Why? |
|---|---|---|
| Situation | Housing, occupation and property | Base identical |
| Guarantees | Events and ceilings | Compare protection |
| Remains at the expense | Franchise and old age | Anticipating compensation |
| Management | Assistance, declaration and dates | Preparing for a concrete situation |
Before you continue
Final checklist : Home insurance: cover, excesses and exclusions
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Guide: Home insurance: cover, excesses and exclusions · Révision éditoriale : 6 October 2026.
Frequently Asked Questions
Useful answers
Can we only compare contributions?
First approach guarantees, ceilings and franchises. A price alone does not describe the extent of coverage.
Are the formulas with the same name equivalent?
Trade names are not a common nomenclature. Read the contractual documents and the limits of each guarantee.
Does a simulation confirm the management of a disaster?
It helps to understand the assumptions. The assumption depends on the facts, the supporting documents and the applicable contract.
To check
Reference sources and documentation
Sources consulted on .
The editorial update date does not guarantee a new verification of each source. See the references for an individual situation or regulatory evolution.
- Ministry of Economy — Housing InsuranceGeneral references; check the obligations corresponding to your status and the contract documents.
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