Whether you own a seaside villa, a renovated farmhouse or a high-value property on Île de Ré, PSF Assurances arranges tailor-made French insurance for non-resident and foreign owners. Seasonal rental, coastal flood risk, high contents value — we handle the complexity so you don't have to.
Many British and foreign owners of Île de Ré properties assume their existing UK home insurance provides some level of cover abroad. It does not. French law requires all property owners on French soil — regardless of their nationality or place of residence — to hold a valid French insurance contract for each property they own.
PSF Assurances has been arranging insurance for local and non-resident property owners on Île de Ré and around La Rochelle since 1995. We speak to insurers on your behalf, select the right contract for your specific situation, and manage the relationship throughout the policy's life.
⚠️ Key point for non-resident owners
Post-Brexit, UK residents can no longer rely on EU reciprocal arrangements. If you own a property in France and it is not covered by a valid French insurance policy, you are personally liable for any damage caused to neighbours, third parties or your own property.
Île de Ré is a coastal island with exposure to submersion marine, storm surge, groundwater flooding and coastal erosion. French law mandates natural disaster cover in all contracts, but the quality of cover varies significantly. We ensure your policy covers all relevant perils without restrictive exclusions.
If you let your property through Airbnb, Abritel, or directly to holidaymakers, this must be declared and explicitly authorised in your contract. Most standard contracts exclude commercial rental activity. We select policies that cover seasonal rental, tenant damage and loss of rental income after a covered claim.
Properties on Île de Ré — particularly in Saint-Martin-de-Ré, Les Portes-en-Ré or La Flotte — often have building values of €500,000 to €2M+ and contents including antiques, artwork and high-end furnishings. PSF Assurances compares our panel of partners to find the right level of cover for your property value.
Standard French contracts often include an inhabitation clause that suspends cover if the property is empty for more than 60 or 90 days. This is incompatible with a holiday home used only a few weeks a year. We specifically negotiate contracts with extended or removed unoccupancy periods.
Swimming pools, pool houses, technical rooms, terraces, garden structures, gates and fences are not automatically covered in standard contracts. For high-value properties, we ensure all elements of the estate are explicitly included in the insured capital.
As a property owner in France, you are liable for damage your property causes to neighbours, visitors or third parties — a leaking roof, a falling tree, an injury in your garden. Owner's liability cover is essential and should explicitly cover the rental period when a tenant is in occupation.
PSF Assurances works with a panel of trusted French insurers to find the right contract for your property profile — whether a modest holiday home or a high-value coastal villa.
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Thelem, AXA, April, Apivia, Novélia, Zéphyr — we compare our panel of trusted French insurers to find the best fit for your property profile and budget.
PSF Assurances has been protecting properties on Île de Ré and the Charente-Maritime coast since 1995. We arrange tailor-made French insurance for British and foreign owners, entirely remotely. Free quote within 24 hours.
