British & Foreign Residents · Tenants · Owners · Second Homes
Home Insurance in La Rochelle — Arranged in English
French home insurance (assurance habitation) for English-speaking residents of La Rochelle, Saintes and the Charente-Maritime coast. Compliant cover, coastal flood protection, and a broker who explains it all in plain English.
1995
Broker in La Rochelle since
10+
Insurers compared
24h
Quote turnaround
100%
In English
Home insurance in La Rochelle for English-speaking residents
Whether you're renting an apartment in the city centre, buying a house in Aytré or Périgny, or keeping a coastal property near Châtelaillon, you'll need a French home insurance contract — assurance multirisque habitation. PSF Assurances arranges it for you in English, compares our panel of French insurers, and makes sure the cover actually matches how you live.
We've been an independent broker in La Rochelle since 1995 and look after many British and foreign residents across Charente-Maritime, from Saintes to Saint-Jean-d'Angély and the islands.
⚠️ Tenants: you'll need proof before you move in
French landlords legally require an attestation d'assurance before handing over the keys. We can issue cover quickly so your move isn't held up.
What a good French home policy should cover
Buildings & contents
Cover for the structure and its contents against fire, water damage, theft and breakage — scoped to the real rebuilding value, not a guess.
Coastal flood & natural disaster (Cat Nat)
Mandatory natural-disaster cover for the flood, storm-surge and coastal risks that matter around La Rochelle and the Charente-Maritime coast.
Personal & owner liability
Protection if your home causes damage to neighbours or third parties — a leak, a fire, a falling tree.
Second-home & part-time occupancy
Contracts that remove or extend the inhabitation clause so cover holds even when the property sits empty for months.
Water damage & leaks (dégât des eaux)
The most common household claim in France — we make sure it’s properly covered and the excess is reasonable.
Optional extras
Swimming pools, outbuildings, garden structures, high-value contents and home-office equipment, included explicitly where you need them.
How it works — simple, even from abroad
1
Contact us
Email or call — we respond within 24h and can run the entire process remotely
2
We assess your needs
We gather your situation, cover requirements and any specific risks
3
We compare & recommend
We present the best options from our panel — clear, in plain English
4
Cover in place
Contracts signed electronically — no need to travel to France
Our insurance partners
We compare Thelem, AXA, April, Apivia and others to find the home contract that fits your property and how you use it.
Thelem
Comprehensive cover with strong guarantees, well suited to the Charente-Maritime.
AXA
One of France's leading insurers — flexible contracts for a wide range of profiles.
April / Apivia
Specialists in tailored contracts, including non-standard and non-resident profiles.
Frequently asked questions
For tenants, yes — it is a legal requirement and your landlord will ask for proof (attestation d'assurance) before you get the keys. For owners of a flat in a co-ownership (copropriété) it is also mandatory. For owners of a detached house it is strongly advised and effectively unavoidable, since you are liable for any damage your property causes to others.
No. A property located in France must be insured under a French contract (assurance multirisque habitation). Your UK policy has no validity here. PSF Assurances arranges a compliant French policy and explains the cover to you in English.
That's very common among our clients. We arrange contracts designed for second homes and part-time occupancy, avoiding the standard 'inhabitation clause' that can suspend cover when a property is empty for 60–90 days. We simply make sure your contract reflects how you actually use the property.
Natural-disaster cover (garantie catastrophes naturelles) is mandatory in every French home policy and covers coastal flooding and storm surge once an area is officially declared. Given the coastal exposure around La Rochelle, Aytré, Châtelaillon and Île de Ré, we also make sure storm and water-damage cover is properly scoped.
Yes. We can put cover in place before your move or completion date, working entirely by email and electronic signature, so your home is protected from day one.
Free Home Quote
No obligation · Response within 24h · English spoken
Thelem, AXA, April, Apivia, Novélia, Zéphyr — we compare our panel of trusted French insurers to find the best fit for your situation and budget.
Protect your French home — the easy way, in English
From a city-centre flat to a coastal second home, PSF Assurances arranges the right French home insurance and manages it in English. Free quote within 24 hours.
