Borrower insurance in France for non-residents
You live outside France and own, or plan to buy, a property here? Many insurers decline non-residents. We look for solutions.
Whether you live in the United States, Canada, the United Kingdom, Italy, Switzerland, Monaco, Germany, Spain, Portugal or elsewhere, we can look for borrower insurance for your French loan, depending on your profile and the insurer’s acceptance.
The problem many non-residents face
Many insurers and banks do not want to insure people who are not resident in France. Yet a US resident can own a second home on the Riviera, and a family living in Italy or Switzerland can invest in a flat in Paris: the loan is French, the property is French, but the borrower lives abroad.
The result: the bank cannot offer or accept insurance, and the loan stalls.
What we can do
- Place insurance for you when your bank cannot
- Replace (substitute) the insurance you already have, to reduce its cost or to solve a problem
- Check that the cover matches what your bank requires
- Support you in French and English, with this site available in five other languages
Typical situations
- A second home on the French Riviera or elsewhere in France
- A rental investment in Paris or another large city
- French citizens living abroad
- Residents of the United States, Canada, the United Kingdom, Italy, Switzerland, Monaco, Germany, Spain, Portugal and other countries
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 insure a French mortgage?
Often yes, but not with every insurer or bank. We study your case and look for a solution. Acceptance depends on your profile, your project and the insurer.
My bank cannot insure me because I live abroad. What can I do?
Contact us: we look at whether insurance can be placed through us, or whether your current policy can be replaced.
Which documents do I need?
Your loan offer, your current insurance contract if you have one, the amortization schedule, your ID or passport and your bank details. We tell you if anything else is needed.
See also
Guides
- 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
- Second home on the French Riviera: mortgage insurance for non-residents
- Buy-to-let in Paris as a non-resident: mortgage insurance
- Borrower insurance in France for UK residents
- Borrower insurance in France for Canadian residents
- Is borrower insurance compulsory in France for non-residents?
- Non-resident borrower insurance in France: questions and answers
General information, not legal advice. Cover and acceptance depend on your profile, your project and the insurer’s decision.