Home insurance in France is a crucial aspect of property protection. Companies in this sector offer various coverage options including fire, water damage, and theft, catering to homeowners and renters alike. With advancements in technology, many insurers have adopted digital platforms for seamless customer interactions. The industry is increasingly focusing on personalization and accessibility to meet the evolving demands of consumers. Statistical trends indicate a rise in competition as smaller, tech-driven firms thrive alongside established giants. Additionally, green insurance products are gaining traction as insured parties begin prioritizing environmental responsibility in their coverage choices.

The companies featured in this list vary notably in size and focus. Ranging from startups like Acheel to established firms like Matmut, these entities are predominantly based in Île-De-France. Founded between 1961 and 2021, they specialize in comprehensive insurance solutions including home, auto, and health insurance. Most of these companies show a strong domestic market presence but also extend their offerings internationally. The expansive range of products and services indicates a robust operational network and strategic adaptability in meeting client needs.

Continue reading to learn about the top home insurance companies in France.

Top 22 Home Insurance Companies in France

1. Direct Assurance

• Website: direct-assurance.fr
• Ownership type: Private
• Headquarters: Suresnes, Île-De-France, France
• Employee distribution: France 86%, Morocco 14%
• Founded year: 1992
• Headcount: 1001-5000
• LinkedIn: direct-assurance

Direct Assurance, founded in 1992 and based in Suresnes, Île-De-France, is a private insurance company that specializes in providing a variety of insurance products, including auto, home, motorcycle, and health insurance. As a part of the AXA Group, Direct Assurance leverages the resources and expertise of one of the world's largest insurance providers. The company operates primarily through an online platform, allowing customers to easily obtain quotes and manage their insurance needs. With a workforce of around 700 employees, Direct Assurance emphasizes customer service, offering dedicated support for claims and a mobile application for enhanced accessibility. Their focus on affordability and customer engagement positions them as a relevant player in the home insurance sector, catering to the needs of modern consumers.

2. Matmut

• Website: matmut.fr
• Ownership type: Private
• Headquarters: Rouen, Normandy, France
• Employee distribution: France 100%
• Founded year: 1961
• Headcount: 5001-10000
• LinkedIn: matmut

Matmut, founded in 1961 and headquartered in Rouen, Normandy, France, is a private insurance company that specializes in a wide array of insurance products. These include auto, home, health, and life insurance, as well as financial services like savings and credit solutions. With a workforce of approximately 3,936 employees, Matmut serves individual consumers across France, focusing on comprehensive coverage and financial security. The company has established a strong online presence, allowing customers to easily obtain quotes and manage their policies. Matmut's commitment to customer service is evident through their 24/7 assistance and a network of local agents, ensuring that clients receive support when they need it most. Their home insurance offerings are designed to cater to various demographics, including students and young professionals, which reflects their adaptability in meeting market demands.

3. Assurea (ex Wazari)

• Website: wazari.fr
• Ownership type: Private
• Headquarters: Boulogne-Billancourt, Île-De-France, France
• Founded year: 2017
• Headcount: 11-50
• LinkedIn: wazari

Assurea, previously known as Wazari, is an insurance company based in Boulogne-Billancourt, Île-De-France, France. Founded in 2017, the company has quickly established itself in the insurance market by offering a variety of products, including auto, health, life, and notably, home insurance. Assurea operates through a robust network of over 3,000 partner brokers, which allows them to reach a wide audience and provide essential coverage to mitigate financial risks associated with accidents, health issues, and property damage. The company has expanded its offerings since its inception, launching its first automobile insurance products in 2018 and subsequently adding health, life, and home insurance options. Assurea's commitment to innovation and customer service is evident in its operational strategies, including a fully digital subscription process and a focus on competitive pricing. Their involvement in industry events, such as the Trophées de l’Assurance, further highlights their active role in the insurance sector.

4. Luko

• Website: luko.eu
• Ownership type: Corporate
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 89%, Germany 6%, Madagascar 3%, Other 3%
• Latest funding: $4.7M, January 2024
• Founded year: 2018
• Headcount: 51-200
• LinkedIn: luko

Luko is a Paris-based insurance company founded in 2018, specializing in home insurance and related products. The company operates primarily in France, with a growing presence in Germany and other regions. Luko's offerings include home insurance, liability insurance, and travel insurance, catering to both homeowners and renters. The company has adopted a fully digital approach, allowing customers to obtain quotes and process claims quickly and efficiently. Luko's commitment to transparency and customer satisfaction is evident in its service model, which promises faster reimbursements and clear, flexible contracts. With over 400,000 clients, Luko has made a significant impact in the home insurance market. The company recently raised approximately €4.66 million in funding in January 2024, further solidifying its position and potential for expansion in the insurance industry.

5. Leocare

• Website: leocare.eu
• Ownership type: Venture Capital
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 100%
• Latest funding: Other (Debt), November 2021
• Founded year: 2017
• Headcount: 51-200
• LinkedIn: leocare

Leocare, founded in 2017 and based in Paris, is an insurance company that provides a range of insurance products, including home, auto, motorcycle, and pet insurance. The company operates primarily through a mobile application, which allows customers to manage their insurance needs conveniently. Leocare emphasizes transparency and user-friendliness, aiming to simplify the insurance experience for individual customers in France. With a workforce of around 127 employees, the company has made significant strides in the industry, achieving over a million app downloads and managing a substantial number of claims annually. Their home insurance product includes features like new-for-old coverage for appliances and options tailored for student housing, reflecting their adaptability to various customer needs. Leocare's approach to insurance is characterized by a commitment to customer service, with all support provided locally in France, ensuring a responsive and personalized experience for policyholders.

6. FMA Assurances

• Website: fma.fr
• Ownership type: Private Equity
• Headquarters: Courbevoie, Île-De-France, France
• Employee distribution: France 94%, Morocco 3%, Mauritius 3%
• Latest funding: April 2019
• Founded year: 1996
• Headcount: 51-200
• LinkedIn: fma-assurances

FMA Assurances, founded in 1996 and based in Courbevoie, Île-De-France, is a private equity-owned insurance company specializing in a variety of insurance products. With a workforce of around 70 employees, FMA focuses on providing insurance solutions for individuals, including vehicle, health, and notably, home insurance. Their user-friendly online platform allows customers to easily obtain quotes and manage their insurance needs. FMA Assurances prides itself on its customer service, aiming to deliver personalized support and tailored coverage options. The company has established partnerships with major insurance providers, ensuring competitive rates and comprehensive coverage. FMA's commitment to innovation is evident in their continuous development of products that meet the evolving needs of their clients, making them a relevant player in the home insurance market.

7. Groupama Rhone-Alpes Auvergne

• Website: groupama.fr
• Ownership type: Corporate
• Headquarters: Lyon, Auvergne-Rhône-Alpes, France
• Employee distribution: France 100%
• Latest funding: April 2016
• Founded year: 1991
• Headcount: 1001-5000
• LinkedIn: groupama-rhone-alpes-auvergne

Groupama Rhone-Alpes Auvergne, founded in 1991, is a corporate entity based in Lyon, France, with a workforce of approximately 1,736 employees. The company specializes in insurance and financial services, offering products that include auto, home, and health insurance, as well as retirement savings solutions. Groupama serves both individuals and businesses, aiming to protect against various risks while assisting with financial planning. Their operational model relies on a network of local agencies throughout France, ensuring that clients receive tailored support and advice. This localized approach allows them to maintain strong relationships with their customers, which is crucial in the insurance industry. Groupama's commitment to mutualism, where the focus is on customer welfare rather than shareholder profit, further underscores their dedication to providing quality service in the home insurance sector.

8. Cabinet Assurance & Cie

• Website: assurance-cie.fr
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 100%
• Founded year: 2009
• Headcount: 1-10
• LinkedIn: assurance-cie

Cabinet Assurance & Cie, founded in 2009 and located in Paris, is a private insurance agency that provides a variety of insurance products. Their offerings include auto, health, life, and notably, home insurance. The agency serves both individual consumers and businesses, emphasizing personalized consultations to meet client needs. With a small team of 16 employees, they focus on building strong relationships with clients, ensuring that their services are tailored to specific requirements. The agency has established partnerships with 34 insurance providers, which enhances their ability to offer competitive solutions. Their commitment to customer service is evident in their approach, which prioritizes human interaction over mere transactions. Despite their limited size and lack of reported funding, they have managed to attract around 3,500 clients, showcasing their ability to maintain a steady presence in the insurance market.

9. Gat

• Website: gat.com.tn
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Tunisia 50%, United States (USA) 17%, Pakistan 8%, Other 25%
• Latest funding: December 2022
• Founded year: 1975
• Headcount: 201-500
• LinkedIn: gat

Gat, officially known as GAT ASSURANCES, is an insurance company based in Tunisia, founded in 1975. With a workforce of approximately 529 employees, the company operates in various sectors of insurance, including auto, health, home, and travel insurance. Gat serves both individual consumers and businesses, tailoring solutions to manage risks and protect against financial losses. The company has established a strong presence in Tunisia, with 131 agencies providing localized support and services. Their home insurance products, such as 'Mon assurance habitation MRH' and 'Assurance Incendie Habitation', cater to the needs of homeowners, ensuring protection against various risks. Gat's commitment to customer service has been recognized, as they were awarded the title of 'Best Customer Service of the Year 2022' in the insurance sector, highlighting their focus on client satisfaction and support.

10. ASSURANCE Service

• Website: assurance-service.fr
• Ownership type: Private
• Headquarters: Rouen, Normandy, France
• Employee distribution: France 78%, Algeria 11%, Tunisia 11%
• Founded year: 2011
• Headcount: 11-50
• LinkedIn: assurance-service

ASSURANCE Service is an insurance agency located in Rouen, Normandy, France, founded in 2011. The company operates with a team of 11 to 50 employees and focuses on providing a range of insurance products, including auto, home, health, and family insurance. They cater primarily to individual consumers, helping them protect their assets and manage risks associated with unforeseen events. ASSURANCE Service operates several agencies in the Normandy region, including locations in Rouen, Maromme, Pavilly, Auffay, and Mont St Aignan. Their approach emphasizes personalized service, ensuring clients receive tailored support and guidance in selecting the right insurance products for their needs. As an exclusive agent for MMA, they leverage this partnership to offer competitive insurance solutions.

11. ECA Assurances

• Website: eca-assurances.com
• Ownership type: Private
• Headquarters: Clichy, Île-De-France, France
• Employee distribution: Morocco 65%, France 33%, Other 2%
• Founded year: 1995
• Headcount: 201-500
• LinkedIn: eca-assurances

ECA Assurances, founded in 1995 and based in Clichy, Île-De-France, is a private insurance and financial services provider. The company operates under the umbrella of the FINARE Group, which specializes in insurance and savings solutions. ECA Assurances offers a variety of products tailored for both individuals and businesses, including home, auto, and health insurance. With a workforce of approximately 447 employees, the company has developed a strong market presence, serving around 350,000 clients. ECA Assurances is recognized for its innovative strategies, particularly in leveraging technology to enhance service delivery. Their commitment to understanding market needs and adapting their offerings has allowed them to maintain relevance in a rapidly changing industry.

12. Societe Generale Assurances

• Website: assurances.societegenerale.com
• Ownership type: Private
• Headquarters: France
• Employee distribution: France 94%, Other 6%
• Founded year: 1996
• Headcount: 1001-5000
• LinkedIn: societe-generale-assurances

Société Générale Assurances, founded in 1996, operates as a private insurance company based in France. With approximately 1,755 employees, it provides a comprehensive range of insurance and financial services tailored to individuals and businesses. The company specializes in life insurance, retirement savings, and notably, property protection, which includes home insurance. It is part of the Société Générale group, allowing it to leverage the bank's extensive resources and expertise. Société Générale Assurances is present in France through various entities such as Sogécap, Antarius, Sogessur, and Oradéa Vie, and it operates in seven countries internationally. The company emphasizes financial security and risk management, aiming to be a trusted partner for its clients. Its commitment to innovation and sustainable growth further positions it as a relevant player in the insurance industry.

13. AcommeAssure

• Website: acommeassure.com
• Ownership type: Private
• Headquarters: Le Relecq-Kerhuon, Brittany, France
• Employee distribution: France 89%, Belarus 11%
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: acommeassure

AcommeAssure, founded in 2011 and based in Le Relecq-Kerhuon, Brittany, France, is a private insurance brokerage that specializes in a range of insurance products. These include auto, home, health, and pet insurance, catering primarily to individual consumers. The company operates mainly through online platforms, allowing customers to obtain quotes and receive personalized assistance. AcommeAssure emphasizes a customer-friendly experience, with a focus on simplifying the insurance process. Their team of advisors, primarily located in Brittany, is dedicated to guiding clients throughout their insurance journey. The company has garnered positive reviews for its service quality, indicating a strong reputation among its clientele. AcommeAssure is part of the Mediacourtage group, which is associated with La France Mutualiste, further solidifying its presence in the insurance market.

14. Acheel

• Website: acheel.com
• Ownership type: Venture Capital
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 77%, Morocco 23%
• Latest funding: Seed, $35.4M, May 2021
• Founded year: 2020
• Headcount: 11-50
• LinkedIn: acheel

Acheel is an insurance company based in Paris, France, founded in 2020. It specializes in providing a variety of insurance products, including home, auto, health, and pet insurance. The company operates primarily online, aiming to make insurance services more accessible and user-friendly. Acheel has gained significant traction in the market, with over 400,000 contracts under its belt and a focus on customer-centric solutions. The company has received substantial funding, totaling approximately €35 million in its seed round, which has enabled it to enhance its technological capabilities and expand its offerings. Acheel is also recognized for its commitment to transparency and innovation, having been certified as a B Corp, which reflects its dedication to social and environmental responsibility.

15. Lovys

• Website: lovys.com
• Ownership type: Venture Capital
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Portugal 69%, France 27%, United States (USA) 4%
• Latest funding: Crowdfunding, $906,000, December 2024
• Founded year: 2017
• Headcount: 51-200
• LinkedIn: lovys

Lovys is an insurance company based in Paris, France, founded in 2017. It operates primarily through a digital platform, offering a variety of insurance products, including home, auto, pet, smartphone, health, and borrower insurance. The company aims to provide flexible and affordable insurance solutions tailored to individual consumer needs. Lovys has gained traction in the market, boasting over 45,000 customers and a strong emphasis on customer service, with an average response time of 1.5 minutes for calls. The company has received substantial funding, including a recent crowdfunding round that raised over 900,000 euros in December 2024, which supports its growth and expansion efforts. With a workforce distributed across France, Portugal, and the United States, Lovys is positioned to continue its development in the insurance sector, particularly in home insurance.

16. Protect Plus Assurances

• Website: protect-plus-assurances.fr
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Tunisia 81%, France 19%
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: protect-assurances

Protect Plus Assurances, founded in 2015 and based in Paris, specializes in automobile, motorcycle, and home insurance. With a team of 16 employees, the company operates primarily online, providing a range of insurance products tailored to various customer needs. Their offerings include home insurance, which is designed for both owner-occupied and non-occupied properties, as well as coverage for unpaid rents. Protect Plus Assurances aims to assist clients who may have faced difficulties in obtaining insurance, such as those with prior cancellations or claims. Their online platform facilitates easy access to free quotes and customer support, enhancing the user experience. The company collaborates with over 40 risk carriers to ensure competitive pricing and comprehensive coverage options for their clients.

17. Zenith Insurance

• Website: zenithassurances.com
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Morocco 46%, France 21%, Tunisia 21%, Other 13%
• Founded year: 1995
• Headcount: 51-200
• LinkedIn: zenithassurance

Zenith Insurance, known as Zenith Assurances, is an insurance agency based in Paris, Île-De-France, France. Founded in 1995, the company has established itself as a provider of various insurance products, including automobile, motorcycle, health, and notably, home insurance. Zenith Assurances serves both individual consumers and businesses, offering customized insurance solutions designed to mitigate various risks. The company prides itself on delivering competitive quotes and immediate service, which reflects its responsiveness to customer needs. With a workforce of approximately 39 employees, Zenith Insurance operates with a significant presence in Morocco, France, Tunisia, and Cameroon, indicating a broader regional engagement. Their website emphasizes their commitment to customer satisfaction, showcasing positive client testimonials and a user-friendly approach to obtaining quotes. This focus on service and accessibility positions Zenith Insurance as a relevant player in the home insurance market.

18. Mma Brie Comte Robert

• Website: agence.mma.fr
• Ownership type: Private
• Headquarters: Brie-Comte-Robert, Île-De-France, France
• Employee distribution: France 100%
• Founded year: 2021
• Headcount: 1-10
• LinkedIn: mma-brie-comte-robert

Mma Brie Comte Robert operates as an insurance agency under the MMA brand, which is known for offering a wide array of insurance products, including home, auto, health, and life insurance. Established in 2021, this agency focuses on providing tailored insurance solutions to both individual consumers and businesses. With a commitment to personalized service, Mma Brie Comte Robert aims to meet the specific needs of its clients, facilitating quick access to insurance quotes and consultations. The agency is part of a larger network of MMA agencies across France, which enhances its ability to serve clients locally while benefiting from the brand's established reputation in the insurance industry. Despite its recent founding, Mma Brie Comte Robert is positioned to grow within the market, leveraging the resources and support of the MMA group.

19. Ecg Pereire Assurances

• Website: ecg-assurances.com
• Ownership type: Private
• Headquarters: France
• Founded year: 1994
• Headcount: 201-500
• LinkedIn: ecg-pereire-assurances

Ecg Pereire Assurances is an independent insurance brokerage based in France, founded in 1994. With a workforce of around 108 employees, the company has carved out a niche in the insurance market by offering a range of products, including health, auto, home, and animal insurance. Their approach is centered on providing tailored insurance solutions to both individual consumers and businesses, ensuring that clients can manage risks effectively. The firm prides itself on its commitment to customer satisfaction and innovative service delivery, which has been a cornerstone of its operations for nearly three decades. Ecg Pereire Assurances has established partnerships with over 100 insurance providers, allowing them to negotiate competitive rates and offer clients a variety of options. Their dedication to transparency and professionalism further enhances their reputation in the industry.

20. Aéma Groupe

• Website: aemagroupe.fr
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 99%
• Founded year: 2021
• Headcount: 10001+
• LinkedIn: aema-groupe

Aéma Groupe, founded in 2021 and based in Paris, is a private mutualist group that operates in the insurance and financial services sectors. With over 10,000 employees, the company offers a comprehensive range of products, including auto, home, health, and life insurance, as well as asset management services. Aéma Groupe is known for its commitment to accessible protection solutions, addressing social and environmental challenges. The group includes well-established brands such as Macif, AÉSIO mutuelle, and Abeille Assurances, which collectively serve a significant portion of the French population. Aéma Groupe emphasizes mutualism and social responsibility, positioning itself as an advocate for the rights of its insured clients and promoting sustainable practices within the insurance industry.

21. Saint Pierre Assurances

• Website: stpierreassurances.com
• Ownership type: Private
• Headquarters: Tours, Centre-Val De Loire, France
• Employee distribution: France 100%
• Founded year: 2009
• Headcount: 11-50
• LinkedIn: saint-pierre-assurances

Saint Pierre Assurances is a private insurance firm located in Tours, Centre-Val De Loire, France. Established in 2009, the company specializes in a variety of insurance products, prominently featuring home insurance alongside automobile and specific property insurance. With a workforce of approximately 64 employees, Saint Pierre Assurances aims to deliver personalized service and customized insurance solutions to both individual clients and businesses. The company is dedicated to managing risks associated with property ownership and liability, ensuring that its clients receive the necessary coverage to protect their assets. Saint Pierre Assurances operates exclusively within France, reinforcing its commitment to the local market and its understanding of regional insurance needs.

22. Poe-ma Assurances

• Website: poe-ma.com
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: New Caledonia 60%, French Polynesia 17%, Myanmar 8%, Other 15%
• Founded year: 1991
• Headcount: 51-200
• LinkedIn: poe-ma-insurances

Poe-ma Assurances, founded in 1991 and based in Paris, Île-De-France, is a private insurance agency that offers a variety of insurance products for both individuals and businesses. With a workforce of approximately 53 employees, the company has established itself as a significant player in the insurance sector, particularly in home, auto, health, and maritime insurance. Poe-ma has a strong presence in tropical regions, including French Polynesia and New Caledonia, and has expanded its operations to countries like Myanmar and Thailand. The agency prides itself on its personalized service, aiming to protect clients from financial risks associated with unforeseen events. Their local expertise allows them to tailor insurance solutions that address specific economic and climatic challenges faced by their clients. Poe-ma's commitment to understanding the unique needs of its customers has fostered a reputation for reliability and responsiveness in the insurance market.

Home Insurance Insights: Key Companies in France

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