Home insurance covers damages suffered by a dwelling and the belongings it contains, as well as the civil liability of the occupant. The standard contract, often hastily signed upon moving in, includes guarantees that the policyholder will never use and omits others that would be useful. In a context where multi-risk home insurance premiums are rising sharply each year, precisely adapting one’s contract to their situation is no longer a comfort, but a financial lever.
Natural disaster surcharges and rising premiums: what changes the calculation
Since January 1, 2025, the mandatory surcharge related to natural disasters applied to property damage contracts has been raised from 12% to 20% of the main premium. This regulatory increase adds to a significant trend: France Assureurs indicates that home insurance premiums will reach 15 billion euros in 2025, an increase of 8.4% year-on-year, with the average premium excluding taxes rising from 299 to 323 euros.
The Assurland barometer confirms the acceleration in 2026 with an average increase of 13%, the premium rising from 274 to 310 euros in one year. These figures make it costly to maintain a generic contract. Each unnecessary guarantee weighs more heavily on the bill, and each poorly identified exclusion exposes one to a higher out-of-pocket expense after a claim.
It is in this context that support from a real estate professional makes sense. An article detailing Foncia home insurance on Monde Immobilier describes how the group structures its offers to align with the profiles of its clients, both owners and tenants.
Foncia home insurance contract: the role of Assurimo in customization
The home insurance offered through Foncia is not directly provided by the real estate group. It is channeled through Assurimo, a subsidiary of Emeria specializing in insurance brokerage. This distinction has a practical consequence: Assurimo negotiates the terms with several insurers, allowing for the calibration of guarantees to the profile of the property and its occupant.
For a non-occupying owner, for example, Assurimo offers the owner serenity insurance. This contract covers damages that neither the tenant’s insurance nor the co-ownership insurance covers. The absence of a general deductible and the deductibility of premiums from rental income make it a product designed for rental management, not a repackaged consumer contract.
What it concretely means to adapt one’s contract
Adapting does not mean accumulating options. A tenant in a furnished studio does not need the same theft coverage as an owner of a single-family home with outbuildings. An adapted contract removes unnecessary guarantees as much as it strengthens useful protections.
The criteria that truly modify the scope of a contract are more precise than one might think:
- The nature of the occupation (occupying owner, non-occupying owner, tenant, roommate) determines the legal obligations and relevant guarantees.
- The location of the property directly influences the level of climate risk and thus the cost of the natural disaster surcharge, which varies by department.
- The value of the contents (furniture, equipment, valuables) sets the necessary compensation ceiling, a parameter often underestimated at subscription.
- The management mode of the property (directly, via an administrator like Foncia) conditions the responsiveness in case of a claim and the fluidity of declarations.
Tenant and owner home guarantees: distinguishing the mandatory from the useful
The law requires tenants to subscribe to at least one guarantee covering rental risks (fire, water damage, explosion). The non-occupying owner has no legal obligation for individual insurance unless required by the co-ownership regulations. However, the absence of non-occupying owner insurance exposes one to considerable costs in the event of a claim not covered by the co-ownership.
Civil liability remains the most frequently requested guarantee in terms of claim frequency. A water damage incident at a neighbor’s, a visitor falling in the common areas adjacent to the dwelling: these commonplace situations generate regular compensation requests.
Optional guarantees to evaluate according to the profile
The guarantees for theft and vandalism, glass breakage, electrical damage, or legal protection are not systematically included in basic contracts. Their relevance depends on the dwelling.
An apartment on the ground floor facing the street justifies enhanced theft coverage. A property equipped with a heat pump or an expensive home automation system makes electrical damage coverage relevant. Evaluating each option in light of the actual risk avoids paying for theoretical protections.
Home claims and Foncia rental management: fluidity as a real advantage
One of the less visible advantages of insurance taken out through a property manager concerns claims management. When the rental manager and the insurance broker belong to the same ecosystem, the claim declaration, follow-up of assessments, and payment of compensations gain in speed.
Foncia manages a large rental portfolio in France. This volume gives Assurimo a negotiating leverage with partner insurers, both on rates and processing times. For a landlord, reducing the time between declaration and compensation limits rental vacancy after a serious claim.
The centralization of the insurance contract and management mandate with the same contact also simplifies administrative procedures. No back-and-forth between an external insurer and a manager who does not know the terms of the contract: the file is processed in a short circuit.
In the face of structurally rising premiums and a natural disaster surcharge raised to 20%, the choice of a contract tailored to one’s profile becomes as much a budgetary arbitration as a question of protection. Contracts distributed through a network like Foncia and Assurimo offer a framework where the adaptation of the contract is done in direct connection with the knowledge of the property, which remains difficult to obtain with a general insurer who has never seen the dwelling.