Insurances

Whether you own or rent your home, no matter if you’re a French resident or not, our home insurance is aimed at you:

• if you’re a home owner, you should insure the building and the contents
• if you let your property, you should insure the building and let your tenant insure their belongings

Special case: If you’re letting your property to your child without a leasing agreement.

In this case, you’ll need 2 types of insurance:

• a PNO contract (live-out landlord) to insure the building
• a classic insurance contract for all personal possessions

You can insure a main or secondary residential property, and any contents meant for renting if you’re a landlord.

Landlords can have up to 3 contracts for possessions located at the same address.

If you’re the owner or tenant of a ‘green’ home, HSBC Garantie Habitation also covers any sustainable installations (wood houses including a bioclimatic design – except for cabins, solar panels, geothermal equipment).

Yes, HSBC Garantie Habitation covers your belongings and valuables. The value of your insured possessions depends on the number of rooms in your house:

• up to 3 rooms, you’re insured for up to EUR 50,000
• above 3 rooms, the amount increases to EUR 100,000

Your valuable objects are also insured up to EUR 5,000 per main room.

You can choose our optional ‘Financial Pack’, which enables you to:

• double the value of belongings insured 
• double the ‘valuable item’ cover, up to EUR 60,000
• cancel any deductibles for damages (except for any legal deductible)

Houses under construction are covered from when the construction agreement is signed and construction begins. Then, the property is covered against ‘Fire and other hazards’, ‘natural disasters’ and third-party liability.

As the insured party, you can get 50% off your first year premium, if you choose the ‘house under construction’ option.

If you move into the property within the same year, you automatically get MRH (Multiple-Risk Home insurance) cover without letting us know construction has ended or that you moved in.

Our ‘House pack’ option includes: 

• third-party liability linked to swimming-pools
• damage cover for verandas over 9 m²
• cover for outbuildings and other annexes

Computers, gadgets, hi-fi and household electrical appliances less than 5 years old are covered at original value in the event of fire and water damage.

The houses under construction are under guarantee as long as the construction agreement had been signed and the constructions work are started. Then, the property is covered against “Fire and other hazards” risks, “natural disasters” and third-party liability.

As the insured party, you have a right to 50% of discount on your first year dues, as long as you choose a “house under construction” option.

If you move in the house within the same year of subscription, you automatically get the MRH guarantees without having to let the insurer know about the end of the construction or the fact you moved in.