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HSBC Garantie Habitation(1)

Home insurance to match your life
Advantages of HSBC Garantie Habitation(1)
A comprehensive home insurance policy to be tailored to your needs to protect your home and real estate.
  • A solution for everyone

    Owner, tenant, main or secondary residence: a contract adapted to every situation

  • A wider range of guarantees

    Up to €100,000 of guaranteed movable capital

    Advanced funds in the event of a serious disaster

    School insurance for your children

    Civil liability insurance for your holiday rental…

    …and more

  • Options to go further

    3 levels of excess

    Options for your specific needs

    All guarantees for high protection included

  • Simple management

    Subscribe, consult, modify your contract, obtain a certificate and more: it's easy from “Ma Banque en Ligne” (My Online Banking) or with your advisor.

  • Comfort +

    Already insured? We’ll take care of the termination of your current home insurance policy.

Discover the offer in detail

  • Up to €100,000 of guaranteed movable capital
  • Up to 10 main rooms (non-occupant owner: 6 main rooms)
  • Up to €2,500 of valuable items covered per main room
  • Advance of funds in the event of a serious disaster to deal with 1st emergencies
  • Repayment of monthly loan payments if your mortgaged home becomes uninhabitable in case of major damage (up to six monthly payments and/or €8000)
  • School insurance: Civil liability protects you in case of damage caused by your children
  • Rental insurance for family or private stay and celebration: the Civil Liability insurance insures your holiday residence or your rental of a family or private party room
  • "Green Home" insurance for your wooden house with bioclimatic architecture (excluding cottages) or equipped with geothermal devices
  • Home under construction insurance to protect your property against the main risks during the work: fire, natural disasters and civil liability
  • Replacement cost guarantee for your household appliances, Hi-Fi and IT equipment less than 5 years old in the event of a fire or water damage claim
  • Insurance of your electrical and/or electronic appliances, as well as the contents of your refrigerator and/or freezer in case of electrical damage

Summary of the essential and complementary guarantees related to HSBC Garantie Habitation

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

Essential Guarantees

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

For the protection of your home
  • Fire and related events
  • Natural events (Storm, hail, snow)
  • Water damage
  • Theft & vandalism
  • Glass breakage
  • Attacks
  • Natural and technological disasters
  • Travel and resorts (clothing, personal effects and objects during your travels or leisure stays)

 

For your protection and that of your family

  • Civil liability cover (fire and/or water damage, building owner, private life / school insurance, electricity supplier)
  • Criminal defence and recourse following an accident
  • Household accidents (burns caused by excess heat without flashover or by contact with household appliances, heating or lighting)

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

Additional guarantees with no increase in premium

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

  • Loan repayment (repayment of monthly loan payments for up to 6 months when the premises are rendered uninhabitable)
  • Advance funds following a serious disaster to enable you to deal with the first emergencies
  • Replacement value guarantee for household appliances, Hi-Fi and computers less than 5 years old
  • Electrical damage (material damage caused by lightning or by the action of electricity, loss of refrigerator/freezer contents)
  • "Proper functioning" guarantee of fixed equipment in the event of a new move (boiler, water heater, ventilation, radiators, etc.)
  • Civil liability for stays, trips, family celebrations (to protect you against the financial consequences of your tenant civil liability during your holidays or on the occasion of a family celebration)
  • Damage to geothermal equipment (for houses equipped with external geothermal infrastructure, subject to mention in the special provisions)
  • Financial losses and additional costs (demolition and excavation costs, loss of use, loss of rent, etc...)
  • Assistance services in the event of a disaster or accident at home, to help you deal with everyday problems or in the event of a move
  • Legal protection in the event of a dispute related to your residence

Summary of the essential and complementary guarantees related to HSBC Garantie Habitation

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

Essential Guarantees

For the protection of your home
  • Fire and related events
  • Natural events (Storm, hail, snow)
  • Water damage
  • Theft & vandalism
  • Glass breakage
  • Attacks
  • Natural and technological disasters
  • Travel and resorts (clothing, personal effects and objects during your travels or leisure stays)

 

For your protection and that of your family

  • Civil liability cover (fire and/or water damage, building owner, private life / school insurance, electricity supplier)
  • Criminal defence and recourse following an accident
  • Household accidents (burns caused by excess heat without flashover or by contact with household appliances, heating or lighting)

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

Essential Guarantees

Additional guarantees with no increase in premium

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

HSBC HOME GUARANTEE(1)

TYPE OF GUARANTEE

(within the limits and conditions of the general provisions of the contract)

Essential Guarantees

  • Loan repayment (repayment of monthly loan payments for up to 6 months when the premises are rendered uninhabitable)
  • Advance funds following a serious disaster to enable you to deal with the first emergencies
  • Replacement value guarantee for household appliances, Hi-Fi and computers less than 5 years old
  • Electrical damage (material damage caused by lightning or by the action of electricity, loss of refrigerator/freezer contents)
  • "Proper functioning" guarantee of fixed equipment in the event of a new move (boiler, water heater, ventilation, radiators, etc.)
  • Civil liability for stays, trips, family celebrations (to protect you against the financial consequences of your tenant civil liability during your holidays or on the occasion of a family celebration)
  • Damage to geothermal equipment (for houses equipped with external geothermal infrastructure, subject to mention in the special provisions)
  • Financial losses and additional costs (demolition and excavation costs, loss of use, loss of rent, etc...)
  • Assistance services in the event of a disaster or accident at home, to help you deal with everyday problems or in the event of a move
  • Legal protection in the event of a dispute related to your residence

How to subscribe

Become a customer

Complete our online form: it only takes a few minutes.

Already a customer

Get a home insurance estimate in just a few minutes, then subscribe online.

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*Dial +33810246810 within France (service €0.09 per call + call price) and for service outside France (cost varies by operator).

Change to HSBC

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(1) Property and casualty insurance policy taken out through HSBC France with Allianz I.A.R.D and Protexia, companies governed by the Insurance Code.

In case of difficulties in the application of the contract, consult your manager first:

HSBC TSA 80777 - 92894 NANTERRE CEDEX 9

If you are not satisfied with the response you get, you can send your complaint by simple letter or email to the following address:

Allianz - Customer Relationships

Mail Box S1803

1, cours Michelet - CS 30051 92076 Paris La Défense Cedex

email: clients@allianz.fr

Allianz France adheres to the mediation charter of the Fédération Française des Sociétés d'Assurances. In the event of persistent and definitive disagreement, you may, after exhausting the internal processing methods indicated above, call on the Independent Mediator, whose postal details are as follows:

Insurance Mediation TSA 50110

75441 Paris Cedex 09

This process is without prejudice to other legal avenues of action.

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