Borrower insurance in France, in your language
CSPM is an insurance broker based in Cannes and Paris. We help residents and non-residents compare, replace or place mortgage insurance, with a human advisor.
Living abroad, or a partner who does not work? Many insurers and banks say no. We look for a solution, depending on your profile, your project and the insurer’s acceptance.
Non-resident? We have a solution
Many insurers and banks do not want to insure borrowers who do not live in France. Yet you can perfectly well live in the United States, Italy or elsewhere and own a second home or a rental investment in France: on the French Riviera, in Paris or in another city.
If your bank cannot insure you because you are a non-resident, or if you want to replace the insurance it offered, we look for a solution: cover placed through us, or substitution of your current policy.
One partner does not work? Both can still be covered
When one borrower is a stay-at-home parent or has no professional income, many insurers and banks refuse to insure them, or offer death cover only. We can offer death, PTIA, ITT and IPT cover to a partner without professional activity, and a 100% cover share on each borrower if you wish to protect both fully, subject to acceptance.
Compare, change, keep it simple
We compare the insurers we can offer, check the cover your bank requires, and handle the paperwork if you change insurer.
- Free analysis, no commitment
- A human advisor, by phone, WhatsApp or e-mail
- Appointments at our agencies in Cannes or Paris 18th
Your language
This website is available in six languages: French, English, Spanish, Portuguese, German and Italian. At our agency we speak French and English; you can write to us in your language and tell us what you need.
How it works
- You contact us by phone, WhatsApp, e-mail or at the agency: free analysis, no commitment.
- You send your documents: loan offer, current insurance contract (if any), amortization schedule, ID or passport.
- We study your situation and look for solutions with the insurers we can offer.
- You choose, and we handle the steps with your bank.
Frequently asked questions
Can a non-resident get borrower insurance for a property in France?
Often yes, but not with every insurer or bank. We look at your situation (country of residence, age, loan, property) and search for a solution. Acceptance depends on the insurer.
Can my bank refuse to insure me because I live abroad?
Some banks and insurers do not insure non-residents. In that case, ask us whether another solution exists.
Is my partner covered if they do not work?
We can offer cover for a partner without professional activity, including death, PTIA, ITT and IPT, subject to acceptance, with a 100% share on each borrower if you wish.
Is the analysis free?
Yes. Our analysis is free and without commitment.
See also
General information, not legal advice. Cover and acceptance depend on your profile, your project and the insurer’s decision.