How much does French mortgage insurance cost ?
Borrower insurance can represent up to a third of the total cost of your French mortgage. By switching to an individual policy with equivalent cover, savings often run into thousands of euros. Estimate your cost and your saving.
Thanks to the Lemoine law you can switch mortgage insurance at any time, free of charge. We handle everything.
Your mortgage
Annual rate (TAEA) of the bank's group contract, typically between 0.30 % and 0.45 %.
* Indicative estimate (initial-capital basis). Smoker status raises both costs; your real rate also depends on age, health and occupation. See mortgage insurance →
Your questions about the calculator
Group contracts sold by banks are mutualised and rarely the cheapest. An individual policy priced on your profile is often far cheaper, with equivalent cover.
Yes: since the Lemoine law (2022) you can cancel and switch at any time, free of charge, for private residential mortgages. The bank cannot refuse a contract with equivalent cover.
Yes: we match your bank's equivalence requirements point by point (death, total disability, incapacity), often with better terms.
We compare the market, prepare the file and handle every step with your bank. You have almost nothing to do.