Is borrower insurance compulsory in France for non-residents?
Do you have to insure a French mortgage when you live abroad? A clear answer.
No law generally requires loan insurance for a mortgage, but French banks almost always require it. If a bank cannot insure a non-resident, other insurers may offer a solution.
In theory
No law makes borrower insurance compulsory in the general case of a mortgage.
In practice
Banks almost always require insurance with minimum cover to grant the loan. Without accepted insurance, the loan can be refused or blocked.
If the bank cannot insure a non-resident
You can look for a contract elsewhere and present it to the bank. We study your case.
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 I borrow without insurance?
It is rare: banks almost always require it. Tell us about your project.
See also
- Borrower insurance in France for non-residents
- Borrower (mortgage life) insurance in France for US residents
- Buying property in France from the USA: mortgage insurance, step by step
- Changing your mortgage insurance in France when you live abroad
- Choosing your own insurer for a French mortgage as a non-resident (delegation)
- Cancelling your borrower insurance in France from abroad
- Questions and answers
General information, not legal advice. Cover and acceptance depend on your profile, your project and the insurer’s decision.