Our direct answer
Lemonade — Lemonade provides a documented route into landlord (non-occupant owner) home insurance for relevant France customers. Lemonade documents a French landlord/non-occupant owner insurance option for eligible personally owned properties. Business-owned and certain properties are excluded.
Compare buildings insurance, property-owner liability, loss of rent, non-payment, vacancy rules and whether a holiday let or business-owned property is eligible.
Lemonade
Lemonade documents a French landlord/non-occupant owner insurance option for eligible personally owned properties. Business-owned and certain properties are excluded.
Visit Lemonade ↗Official website, not a tracked affiliate link. Availability depends on the product, location and eligibility.
What to compare before choosing
For France, compare rental default, landlord liability, building/contents cover and tenancy exclusions. Ask the provider whether the particular insurance category and underwriting terms are offered to residents of France.
Look at the full premium after any introductory discount, the amount you contribute to a claim and the documents required for a successful claim. If you are an expat or nonresident, check the insurer’s eligibility rules before buying.
Questions people ask
Where should I begin comparing landlord insurance in France?
Start with Lemonade if eligible: Lemonade documents a French landlord/non-occupant owner insurance option for eligible personally owned properties. Business-owned and certain properties are excluded.
Is ordinary homeowner cover enough for a rented property in France?
Not necessarily. Ask specifically for landlord or non-owner-occupied building cover; ordinary owner-occupier policies can exclude rental use.
Does landlord insurance in France pay unpaid rent?
Only where a particular rent-guarantee or rent-default option includes it; standard building cover does not automatically pay missed rent.
What happens if a rental in France is vacant?
Policy wording usually sets vacancy limits or duties. Declare an empty property before a long vacancy.
How do I check whether my landlord insurer can operate in France?
Check the national insurance authority or licensed intermediary register, then verify the exact policy applies to the property address.