Nice, Bordeaux, Montpellier… in which big cities will home insurance increase the most this year ?

According to Leocare, home insurance rates will increase by around 10% this year. The biggest increases are observed in Nice for apartments and in Marseille for houses.

Home insurance will see a sharp increase in rates in 2025. According to exclusive data provided to BFM IMMO by alternative insurer Leocare, prices are expected to increase by an average of 9.5% for houses and 10% for apartmentsin the ten largest French cities.

Rennes the most accessible city

For apartments, the increase will be most marked in Nice, with an increase of 12% compared to 2024. It is followed by Toulouse and Bordeaux (+11%), then by Lille and Rennes (+10%). The cities of Lyon and Marseille recorded an increase of 9.5%, while Montpellier reached 9%. Finally, Strasbourg and Paris bring up the rear with an increase of 8.5%.
In terms of monthly payments, the average cost reaches 26 euros in Nice, 25 eurosin Marseille, and 24 euros in Paris and Montpellier. On the other hand, Rennes remains the most affordable city, with 16 euros per month on average.

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Houses also affected

Houses are not spared. Fares increase most sharply in Marseille (+11.5%), followed by Strasbourg (+10.5%), then by Lille and Paris (+10%). In Nice, Rennes and Montpellier, the increases reached 9.5%, while Lyon, Bordeaux and Toulouse recorded an increase of 8.5%.

In terms of costs, Paris comes out on top with 58 euros per month, followed by Marseille (57 euros) and Nice and Montpellier (55 euros). Rennes remains the most economical, with 35 euros per month.

A considerable increase in 3 years

Between 2022 and 2025, prices have increased by 20.5% for houses and 21% for apartments. Nice and Toulouse show the biggest increases for apartments (+23%), followed by Bordeaux (+22.5%). For houses, Marseille leads with an increase of 22.5%, followed by Strasbourg, Lille and Nice (+21.5%).

The reasons for these increases are multiple: bad weather, natural disasters amplified by global warming, but also increase in burglaries, cost of raw materials for work, and aging of the housing stock.

These increases are likely to continue. The boss of Leocare emphasizes that “from now on, given their intensity and frequency, we are condemned to see our rates increase every year”.