France's home insurance premiums vary fourfold across departments

A Meilleurtaux study released in mid‑2026 shows that annual home‑insurance premiums for identical households differ dramatically between French departments, ranging from about €89 to €377. The Bouches‑du‑Rhône records the highest average premium at €377.39, while the Mayenne department offers the lowest at roughly €232 (just over €100 for some profiles). The price gap can reach €144.58 for the same risk profile.

Owners of homes pay between 2.5 and 3.2 times more than renters, with an average owner premium of €227.72 versus €104.25 for renters. The study links higher premiums to burglary rates: 212,000 residential burglaries were recorded nationwide in 2025, with the Bouches‑du‑Rhône experiencing 8 burglaries per 1,000 inhabitants, above the 5.6‑per‑1,000 national average. Insurers appear to pass on the perceived risk directly to consumers, creating a double burden of security concerns and higher costs.

The report highlights the absence of coordinated public policy to address this pricing fragmentation, prompting debate over the state's role in regulating the market and protecting households.