French loan insurance — made simple

Finding the right loan insurance in France can be one of the hardest steps for international borrowers. French banks require it for nearly every mortgage, but their in-house insurance options often exclude non-residents, and almost always U.S. persons because of strict regulatory rules like FATCA or OFAC.

Start your insurance simulation with one of our specialists

Why Loan Insurance Matter?

In France, “assurance emprunteur” — or borrower’s insurance — is mandatory for most property loans. It protects both you and the lender:

It ensures the loan continues to be repaid in case of death, disability, or serious illness.

It is a prerequisite for loan approval — without insurance, banks won’t issue a mortgage offer.

For French residents, this process is usually straightforward through the bank’s own insurer.

 

For non-residents, however, banks face compliance and logistical challenges that often make the process slow, opaque, or even impossible without external support.

French mortgage insurance for residents and non-residents
loan insurance

Common Challenges for International Borrowers

Restricted access to insurance

Many banks only accept applications from residents insured through their own networks. Non-residents — especially those with foreign tax residency — are often turned away.

Compliance limitations for U.S. persons

FATCA and other international regulations make it difficult for French insurers to underwrite policies for U.S. citizens. Some refuse coverage entirely, even for strong financial profiles.

Medical formalities

French insurers frequently request medical questionnaires, blood tests, or physician statements. For someone living abroad, organizing this can be complicated or costly. We try to find the righ insurance that doesn’t require this kind of tests. 

How The French Nest Solves This

We simplify and secure your insurance process from start to finish. Thanks to our network of specialized international insurance providers, we offer coverage that meets both banking and regulatory requirements while adapting to your personal situation.

Our Approach:
  • We analyze your financing and health profile.
  • We match you with the right insurer accepted by the bank.
  • We coordinate directly with all parties to keep your application on track.

n many cases, we aim to secure insurance policies that meet the bank’s coverage requirements without medical examinations, helping accelerate the overall loan approval process.

Mortgage solutions for international residents working and living in France
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