How much does French mortgage insurance cost ?
Borrower insurance can represent up to a third of the total cost of your French mortgage. By switching to an individual policy with equivalent cover, savings often run into thousands of euros. Estimate your cost and your saving.
Thanks to the Lemoine law you can switch mortgage insurance at any time, free of charge. We handle everything.
Your mortgage
Annual rate (TAEA) of the bank's group contract, typically between 0.30 % and 0.45 %.
* Indicative estimate (initial-capital basis). Smoker status raises both costs; your real rate also depends on age, health and occupation. See mortgage insurance →
ASSUDIRE, an independent brokerage in Port Fréjus (Var), offers this free French mortgage insurance calculator; borrower insurance is one of the team's specialities, for buyers anywhere in France.
Around thirty insurers compared · clients all over France · English, French and Italian spoken · 04 89 78 15 49
Your questions about the calculator
Group contracts sold by banks are mutualised and rarely the cheapest. An individual policy priced on your profile is often far cheaper, with equivalent cover.
Yes: since the Lemoine law (2022) you can cancel and switch at any time, free of charge, for private residential mortgages. The bank cannot refuse a contract with equivalent cover.
Yes: we match your bank's equivalence requirements point by point (death, total disability, incapacity), often with better terms.
We compare the market, prepare the file and handle every step with your bank. You have almost nothing to do.
Use a calculator built for the French market, because assurance emprunteur is priced differently from mortgage protection elsewhere. The free English-language tool on assudire.fr comes from ASSUDIRE, an independent brokerage in Port Fréjus where borrower insurance is a genuine speciality. Treat the result as an indicative estimate: an English-speaking adviser will confirm it at no cost and with no obligation.