In 2025, owners and tenants will have to prepare for another significant increase in their home insurance contributions. Between the rising cost of materials, repeated climatic disasters and increased taxes, there is no shortage of reasons. But how can we explain such a surge in prices, and above all, how can we protect ourselves from it? Find out what's behind these increases and strategies to limit the impact on your portfolio.
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The reasons behind the increase in premiums
Climate disasters, a growing burden
Natural disasters are becoming more and more frequent and violent. Floods, storms and other extreme events have cost insurers billions in recent years. To compensate, the CatNat surcharge, which finances this compensation, will increase from 12% to 20% from January 1, 2025. An increase which, alone, will result in an average annual additional cost of 15 euros per contract.
Rising repair costs
The cost of construction materials is exploding: roofing, carpentry, plumbing… Nothing escapes inflation. This increase weighs heavily on the budgets of insurance companies. Result: an increase in premiums estimated between 8% and 12% for 2025. Concretely, for a 4-room house insured at 198 euros in 2024, the premium could rise to 221 euros.
Tax and administrative adjustments
Insurance companies face regulatory pressures that increase their costs. These costs are inevitably passed on to policyholders. Added to this are costs linked to administrative management and the modernization of risk assessment systems.
How to limit the impact on your budget?
Bring in the competition
With the Hamon law, canceling your contract to find a better offer is now quick and easy. Take the time to compare offers with our home insurance comparator. Many insurers offer discounts to attract new customers.
Review your warranties
Some guarantees may have become unnecessary or redundant. Make a precise assessment of your needs to adjust your contract. For example, if you don't have an outbuilding or swimming pool, check that you aren't paying for these covers.
Negotiate with your insurer
Are you a loyal customer? Use this advantage to negotiate a preferential rate. If you have a claim-free history, this can also work in your favor.
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Is it time to review your insurance strategy?
Faced with such a significant increase, every euro saved counts. By analyzing your real needs and studying the market, you can reduce the impact of planned increases. Ignoring these increases risks paying much more than necessary.
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