Home insurance in France · in plain English

Home insurance in Saintes

Protecting a home in France is far simpler when someone explains it in your own language. Our bilingual Generali agency covers houses, flats, second homes and rentals for English speakers in Saintes – backed by Generali.

  • Bilingual Generali team – 20+ years helping expats
  • Get covered in 24h
  • Free, no-obligation quote

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★★★★★ 5/5 · 58 Google reviews
20+ years of experience
🇬🇧 Native English-speaking agency
Home insurance in Saintes for English speakers

Why it matters

Why home insurance in Saintes matters

Your home in Saintes deserves the best protection available. Our home insurance policies offer extensive coverage for your property and belongings, protecting against theft, fire, and other unforeseen events. At Best French Insurance, we ensure that our English-speaking clients receive clear and comprehensive information about their insurance options. Feel secure in your new home with insurance that covers all aspects of home ownership, backed by Generali's trusted reputation.

Our Generali agency is based nearby in Cognac, a short drive up the Charente, and our bilingual team looks after English speakers across Saintes and the surrounding area, by phone, by email or in person at the office.

Your cover

What home insurance in Saintes covers

In France, home insurance is built around the multirisque habitation contract, which brings several protections together into one policy so your building, your belongings and your legal responsibility are all covered under the same roof.

Your building

Walls, roof, fitted kitchens and permanent fixtures against fire, storm and water damage.

Your contents

Furniture, appliances, valuables and personal effects against theft, damage and destruction.

Your liability

The responsabilité civile cover that protects you if your home or family accidentally causes damage to others.

Water damage

One of the most frequent claims in France, from a burst pipe to a leaking appliance.

Natural disasters

The statutory catastrophe naturelle guarantee for recognised events such as flooding and subsidence.

Assistance

Emergency help such as a plumber, locksmith or temporary rehousing when your home becomes unsafe.

Home insurance in the Saintes area

Local cover

Cover that fits Saintes

Homes in Saintes range from stone houses in the historic centre near the Charente to newer properties on the edge of town and in the surrounding countryside. We help you match your cover to the property, whether you own, rent or are restoring an older building, so everything that matters is properly declared.

Who we insure in Saintes

  • Owners living in their main home in or around Saintes
  • Second-home and holiday-home owners, including non-residents
  • Tenants who need the compulsory renter's cover to sign a lease
  • Landlords renting out a property in the Saintes area

FAQ

Home insurance in Saintes: your questions

Is home insurance mandatory in Saintes? +
If you rent your home, multirisque habitation insurance is legally required in France, including in Saintes, and your landlord can ask for proof each year. If you own, it is strongly recommended and usually compulsory for flats in a copropriété.
Can I take out my home insurance in English? +
Yes. Our team is natively English-speaking, so your cover, documents and claims are explained and handled in English while the policy remains a fully valid French Generali contract.
Do you insure second homes and holiday homes? +
Yes. We regularly insure second homes and holiday homes owned by British and other foreign owners, including properties left unoccupied for long periods.
Does home insurance cover natural disasters? +
French multirisque habitation includes the statutory catastrophe naturelle guarantee, covering recognised events such as flooding and drought-related subsidence once a disaster is declared, subject to the legal excess.

5/5 on Google

Real stories from real clients

★★★★★

"Jennifer and all the staff were wonderful. They helped us navigate the French system with English documents – patient, efficient and very informative."

— Peter
★★★★★

"Friendly fast service. I was so happy to have received help with my insurances by someone who spoke English, as my French is not good."

— Maryke
★★★★★

"A really good experience. The folks in the Cognac office all speak excellent English and are really helpful. They explained the jargon clearly."

— Michael
★★★★★

"Excellent start to finish. Chantal is an absolute and pleasurable asset – makes life so easy and speaks perfect English."

— Bob

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