The multiplication of natural disasters weighs heavily on insurers
The first cause of this outbreak is directly linked to the increase in the number and severity of natural disasters. Droughts, floods, violent storms: in 2024, France experienced several extreme episodes, causing Record compensation. According to the Central Reinsurance Caisse (CCR), the cost of climatic events has doubled compared to the average of the previous decade.
Or, le Natural disasters compensation schemepartly funded by a surprise integrated into home insurance contracts, is based on a united mechanism. When claims multiply, insurers must reconstruct their fundsand this inevitably translates into an increase in premiums requested from the insured.
The government has also announced, in the fall of 2024, An increase in the Cat Nat Surprise Compulsory, from 12 % to 18 % of home insurance contributions. This one adjustment already represents 6 additional points on premiums.
Inflation of the cost of Repairs increases the note
To this climatic pressure is added Inflation of repair costs disaster accommodation. Due to the rise in prices of building materials, energy and labor, repairing or rebuilding is now much more expensive that five years ago.
Insurers must therefore revise the compensation provided for by contractswhich mechanically increases the load they must bear, and therefore, ultimately, insurance premiums.
For example, according to the French Building Federation (FFB), The average cost of a statement after a claim increased by 17 % between 2021 and 2024. This phenomenon impacts all multi -risk housing contracts, even in the absence of a major natural disaster.
Regulatory obligations strengthen Risk coverage
Another important factor: Regulatory strengthening imposed on insurance companies. Since 2024, several decrees have obliged insurers to integrate specific guarantees linked to emerging climate risks into their contracts, such as the remonstation of clays caused by drought.
These obligations aim to better protect the insured, but they mechanically extend the extent of the guarantees Covered without the possibility of refusing certain options. Accordingly, The contracts are more complete, but also more expensive.
A painting to understand concretely The impact on bonuses
Here is a quantified estimate of the impact of these different increases on an average home insurance premium:
-| Impactful elements | Estimated increase in the premium |
|---|---|
| Cat Nat Surprise increase | +6 % |
| Repair costs inflation | +4 % |
| New regulatory obligations | +3 % |
| General tariff adjustments | +2 % |
| Total estimated | +15 % |
Thus, for an average annual premium of 300 €an increase of 15 % is equivalent to € 45 additional per yearor near 4 € more per month.
Which will be the most impacted by this increase?
Owners of individual houses Located in exposed areas (floods, droughts) will be the first affected. For them, the surprise linked to natural risks will be higher, and some companies could also Revalle contracts individually Depending on the risk profile.
Tenantsalthough less exposed directly, will also see their multi -risk home bonuses increase, because minimum guarantees covering their accommodation will be revalued.
In general, Rural and peri -urban areas will undergo more marked increases than major cities, due to their greatest vulnerability to climatic events.
Can we limit the impact of this Increase on its budget?
Faced with this inevitable evolution, Some levers exist to reduce the impact On his budget without finding himself under-assured.
It is recommended to Review your contract regularly To verify that the guarantees subscribed correspond well to its real needs. Certain expensive options, such as value objects, can be adjusted according to personal situations.
Compare offers between insurers can also allow benefit from a more competitive premiumprovided you carefully check the level of coverage. In addition, opt for a higher deductible generally reduces the amount of the annual premium.
Finally, some local communities are starting to offer Group insurance systems allowing to pool risks at a more advantageous rate. These solutions are still limited but could develop in the coming years.
Planning and understanding this increase is today essential to better protect your heritage without sacrificing its purchasing power.
