Whats the best home insurance in france?

I Have a holiday home in france and need to look for new home insurance. Does anyone have any recomendation of who they use for there french holiday home. it would be preferable if the company had offices in both the uk and france and was able to correspond in English. But cost is the most key decision maker.

Your ideas would be greatly appreciated.

How will you be using your holiday home, just family and friends or letting it to generate income?

The major points to consider when choosing holiday home insurance are; what does the policy cover, what are the exclusions and how much does it cost.

Also:

-Is the policy in English so you can understand the terms and conditions, key facts.

-What happens when you have a claim. Will claims handlers visit your French home to assess the damage, and will your travelling expenses be covered to oversee the claim.

-Is your holiday home likely to be empty for long periods/during the winter? If so, what are the insurers unoccupancy/inspection requirements e.g. do you have to drain the water supply, heat the property.

-Is theft covered, what are the security requirements.

If you are letting you will might want to consider a policy that also covers:

-Damaged caused by tenants

-Public liability insurance in case someone sustains an injury at your holiday home and decides to sue

-Loss of rent following a claim

Schofields http://www.schofields.ltd.uk/Policy_Details/Overseas/overseas.htm offer a comprehensive holiday home insurance policy, but a simple search on the internet will also list other French house insurers.

Have browse through the policy wordings to see what’s covered.

You could also visit your local home insurance broker in France to see what they offer. But it might be wise to get the policy translated if it is in French.

You mentioned “But cost is the most key decision maker”

If you choose by cost alone this could come back to haunt you if something you took for granted wasn’t covered. A saving of a few pounds could mean you are underinsured or out of pocket by thousands if you have a fire, flood etc.

Take the time to shop around and choose a policy that is designed for you.

Oh, and check they are FSA registered for peace of mind.

Hope this helps.