The city among the most expensive in France! » The economic and political letter from PACA

In 2023, home insurance continues to rise significantly and has an impact on the purchasing power of households and families: an average increase of 8% in premium rates is expected.

Leocare, the first multi-service neo-insurance, has carried out a survey of home insurance prices in the largest cities in France, and price differences can reach up to 58% from one city to another.
With equal insurance criteria, Nice is the French city where home insurance is the most expensive! Compared to Rennes or Strasbourg for example, it is almost 40% more expensive to insure your home.
For a 4-bedroom house, the people of Nice pay an average of €45.39/month compared to €29.50 for the people of Rennes. The same goes for home insurance for apartments, Nice is still the city where policyholders pay the most: €21.32 a month for a one-bedroom apartment compared to €13.45 in Rennes or €15.90 in Strasbourg.

Purchasing power and price of home insurance:

The blacklist of cities where it is not good to be insured Another bad news for households. Everything is going up, and home insurance prices will be no exception: premium rates are expected to rise by 8% in 2023. However, not all French people are in the same boat. The amount of home insurance can actually vary from €6 to €48 for an apartment and from €17 to €101 for a house depending on the city of the property covered. This is the conclusion of the new study carried out by Leocare, which lists these cities where it is not good to be insured.

Regarding the apartments:

9. Nice 8. Marseille 7. Paris 6. Toulouse 5. Bordeaux 4. Lyon 3. Lille 2. Strasbourg 1. Rennes

Regarding the houses:

9. Paris 8. Marseille 7. Nice 6. Toulouse 5. Bordeaux 4. Lille 3. Lyon 2. Strasbourg 1. Rennes

Home insurance price:

Strong contrasts depending on the city These figures nevertheless hide significant differences. The price of home insurance varies according to many criteria: the nature and characteristics of the home, the profile of the insured, the value of the furniture and, of course, the desired level of cover. In a similar situation, however, there are significant price differences depending on the location of the insured property. By comparing insurance quotes for apartments and houses in 9 major cities in France, namely Paris, Bordeaux, Lille, Marseille, Nice, Lyon, Rennes, Strasbourg and Toulouse, Leocare was able to observe monthly average price differences of up to 58% from one city to another! In practice, for example, it is better to insure your home in Lyon (6.17 euros/month) than in Marseille (101.40 euros/month).

Purchasing power and price of insurance 2

Why is the price of insurance increasing?

Against the background of international conflicts, inflation and increased risks of all kinds, all insurance contracts will increase in 2023.

1. A complicated international context Due to the war in Ukraine, which is unfortunately protracted in Europe, the prices of raw materials have increased by 18%. This therefore has the effect of raising the price of materials and spare parts of all kinds, which ultimately affects repair bills. The price of roof tiles, for example, has increased by 29.4% in one year.

1 2 2. A drastic increase in damages Following climate change, natural disasters have increased in intensity and new ones have appeared. Fires have thus increased by 25% compared to 2021 and heat waves by 300%. Insurers also have to deal with new risks, such as tornadoes and water spills. In 2022, there were 3 damages of the type “Tornadoes and waterspouts” estimated at 65 million euros out of the 4.4 billion euros in damages caused by natural disasters.

The evolution of risk

The rationale generally given to justify these price differences is the level of risk to which the home is exposed, and in particular the frequency of burglaries. Regardless of the cities in question, the number of burglaries has always had a major impact on insurance prices. According to data from the Ministry of the Interior, 260,099 burglaries were recorded in France in 2021, or 713 burglaries per day, compared to 222,130 in 2019.

The mandatory taxes change

Another factor that has a big impact on home insurance premiums: taxes. Although the contributions are exempt from VAT, the latter includes a tax that the insurance companies pay to the state. This is especially true for warranties inherent in fire, legal protection or even civil liability.

Can an insured dispute the increase of his insurance?

Most insurance contracts allow the insurance company to adjust the premiums required from the insured if they have a premium review clause. The Insurance Act has not clearly legislated on the subject. Therefore, it is imperative to refer to the general conditions in the signed insurance agreement. If the contract does not have a review clause, the insured is entitled to refuse the increase in contributions imposed by the insured upon receipt of his notice of expiration. The Hamon Act of 2015 allows policyholders to switch policies very easily after one year.


In its study, Leocare focused on home insurance prices in the cities of Paris, Bordeaux, Lille, Marseille, Nice, Lyon, Rennes, Strasbourg and Toulouse. The investigation covers 540 insurance offers made between 10/11 and 06/12, with a surface area of ​​60 m2 for apartments and 100 m2 for houses and a declared property capital of between 6,000 and 75,000 euros. The chosen formulas are “eco” and “premium”. Who pays the most? The study carried out by Leocare has made it possible to compile a ranking of cities where it is not good to insure your home.

About Leocare

Founded in 2017 by two specialists in digital transformation, Christophe Dandois and Noureddine Bekrar, Leocare is the first multi-service neo-insurance – home, car, motorcycle and smartphone – 100% mobile and solidarity based. Aware that the products of insurance companies no longer correspond to the way of life of the French, the Leocare mobile application offers them guarantees and innovative insurance services perfectly adapted to all moments of life, especially thanks to time technology. ongoing dialogue.


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