Can You Buy Homeowners Insurance Online?


Home insurance is the most important step for the insured to get the best possible coverage. Today, it is possible to buy home insurance online, in just a few minutes and directly from home behind your computer. What do you need to know about taking out home insurance online?

The boom of home insurance underwriting online

According to the e-Insurance survey published by CCM Benchmark in 2017, 20% of French Internet users have already taken out insurance directly online. This is almost twice as much as in 2015 (12%).

A development that can be explained first of all by the Hamon Act, which allows all insureds to cancel their insurance contract after the end of the first year without any proof. This law encourages the French to play the competition and once the different offers compared, they operate new subscriptions. In 2017, 79% of French people knew about this law. Another explanation, insurers are more likely to offer a subscription 100% online with an electronic signature without ever having to go to a physical agency.

It is the motorcycle insurance that is the most popular among French netizens with 52% of online subscribers in 2017, followed by home insurance (44%) and health insurance (24%).

Between 2015 and 2017, online home insurance underwriting satisfaction increased by 13 points from 79% in 2015 to 92% two years later. This satisfaction rate can be explained by several reasons:

Subscription insurance on the Internet has a bright future, it is enough to study the figures of the past two years to understand that more and more Internet users will be seduced by direct insurers. By 2018, home insurance online is expected to further expand considerably.

Comparison of home insurance online

MRH quote for tenants, flatmates and homeowners

For a 3-room apartment (70 m2) on an intermediate floor as a tenant living as a couple with 1 child

14 € 35 TTC / month, that is 172 € 20 TTC / year *

For a 3-room apartment (70 m2) on an intermediate floor as a child-free roommate

16 € 11 TTC / month, or 193 € 32 TTC / year * For a house 4 rooms (100 m2) being the owner, married with 3 children 43 € 51TTC / month, ie 522 € 12 TTC / year *

For a 2-room apartment (50 m2) on the middle floor as a child-free roommate

13 € 56 TTC / month, that is 160 € 22 TTC / year *

* 2018 prices, according to conditions

Online insurance comparison for PNO and lessor

For a house 4 rooms (90 m2) 10 € 25 TTC / month, or 120 € 92 TTC / year *

* 2018 prices, according to conditions

Check out our guide to online home insurance quote request for the best home insurance online. You can also use our our quote request online.

Comparative apartment insurance online for a tenant

Are you a tenant and live in an apartment? Compare different formulas from the three players in the online insurance market to find an online home insurance policy that is right for you.

Comparative apartment insurance online for a tenant Online quote

* 2018 prices, according to conditions

The benefits of online insurance for tenants:

Comparison of online home insurance for a homeowner

You own and live in a house? Compare different formulas of the three players in the online insurance market to find a cheap homeowners insurance policy online .

The benefits of online insurance for homeowners:

The average in terms of home insurance rate for a house in France is 365 € / year. Discover the average cost per region below.

Average price in euros of a home insurance in 2018 according to the regions Region Average price (€) Alsace-Champagne-Ardenne-Lorraine 370 Aquitaine-Limousin-Poitou-Charentes 340 Auvergne-Rhône-Alpes 355 Burgundy-Franche-Comté 360 Brittany 290 Center-Loire Valley 340 Corsica 520 Île-de-France 440 Languedoc-Roussillon-Midi-Pyrénées 350 Hauts-de-France 360 Normandy 320 The Loire Valley 300 Provence-Alpes-Côte d'Azur 395

The most expensive regions in terms of price for the home insurance of a house are Corsica, Ile de France and Provence-Alpes Côte d'Azur with € 520, € 440 and € 395 respectively.

As we have just seen, the online subscription to home insurance is attracting more and more French. But why ?

Compare different home insurance offers online

Insurance home insurance online: ask for quotes! You can consult our guide dedicated to home insurance prices excercés in France or make an online home insurance quote request in 5 minutes and completely free.
I request my quote online

One of the first strengths of a home insurance policy purchased directly online is the possibility offered to the user to compare without moving and in just a few minutes the various offers of home insurance. Each home and the different insureds have their own characteristics, the guarantees offered, the rates presented and the compensation limits can quickly vary between the different insurance companies.

Comparing online housing insurance is therefore an essential step today as the offers on the market are developing more and more. To be sure of the best possible protection, why not take a look at our different comparatives:

Choosing the best online HRM contract

The comparison of different home insurance online allows Internet users to choose the home multi-risk contract online best suited to their needs and their expectations. As a reminder, two guarantees are fundamental:

From home and in a few minutes, you will be able to study the various quotes sent by mail by the different insurers. Nothing simpler than an online home insurance simulation thanks to free 100% free insurance quotes.

Obtain an insurance certificate immediately

Another strong point of home insurance underwriting online: the immediate issue of a certificate of insurance. Once your subscription is completed in a few clicks , you will obtain, in the majority of cases, from your personal space all essential documents such as the insurance certificate, a document to be sent to your owner.

Are home insurance online cheaper?

Each insurance company uses various criteria to assess the risks, determine the amount of the contributions and set the home insurance premium:

If you study the quotes of the main direct insurers allowing the purchase of 100% online insurance (Amaguiz, Direct Assurance, AllSecur, EuroInsurance, etc.), depending on your profile, it may be possible that the rates presented are lower than those of "traditional" insurance companies.

The first step of home insurance underwriting online is the quote request. How? You are requesting a free home insurance quote online to find out exactly what your coverage is and the terms of the contract. Once the quote has been validated by you, you just need to subscribe online the home insurance of your choice. Most of the time, insurers offering to buy home insurance online have designed highly effective sites for a very simple user journey, even for a novice.

You will have to fill out a form with all the necessary information for the creation of your file (last name, first name, email, telephone) as well as all the information concerning your accommodation.

In online quote or subscription forms, it is important to provide accurate and accurate information. In addition to benefiting from the best possible coverage, false declarations and voluntary omissions are prohibited and the insurer will be entitled to cancel the insurance contract and retain the contributions already paid.

Documents to provide to the insurer online

In order to validate the online home insurance subscription , you must send some supporting documents to the insurer to verify your identity and the accuracy of the information provided in advance:

Tenants must generally provide:

You can send these documents by e-mail or from your personal space on the insurer's website.

The conditions of subscription of an insurance contract housing online

Like a subscription of a contract HRM in a physical agency, the subscription of a cheap home insurance insurance answers also, under certain conditions:

These conditions are very global and will vary depending on each insurer, before taking out home insurance online, take the time to read them to avoid any unpleasant surprises.

The insured has a 14-day withdrawal period if:

If you wish to cancel the subscription of your MRH contract, you must send a registered letter to the insurer without the obligation to justify. Note that if the withdrawal period ends on the weekend or a public holiday, it is extended until the next business day.

Terminate your home insurance policy online

Insured persons who have purchased their home insurance online have the same rights and obligations as a "traditional" insured. He can, for example, thanks to the Loi Hamon, cancel when he wishes his insurance contract after the expiry of the first year.

Even if the purchase of a cheap home insurance insurance takes only a few minutes , the insured is committed to the insurer, an approach that determines the coverage and protection that he may need in case of disaster or accident.

Like all home insurance policies, the amount of your home insurance policy differs depending on several factors, such as the area or address of the home.

To find the cheapest home insurance online best suited to your needs, the most effective is to make requests for quotes. How to do ?

Online housing insurance quotes:

  1. On-line insurance comparators : in just a few minutes, several home quotes are available, based on information collected from partner insurers.
  2. The housing insurance quotes by phone: it is quite possible to request a home insurance quote by phone. As for home insurance comparators online: an advisor asks you questions about your profile and offers quotes from insurers partners. For this, contact 09 75 18 51 28 (non-surcharged number, available from Monday to Friday from 8:00 to 21:00 and Saturday from 8:30 to 18:30).
  3. On the websites of insurers : you will then need to provide information on the housing to be insured as well as on yourself. This solution is quite time consuming because you will have to repeat this approach on each site.

The best is to ask for a quotation early enough to be able to compare with peace of mind that you:

Be smart and watch out for good deals! Some insurers offer discounts at the start of the new year and the new year, or throughout the year for new subscribers .

In any case, you can take home insurance online until the day before the signing of your lease (if you are a tenant) or the act of purchase at the notary (if you own).