Setting Up Utilities, Internet, and Home Insurance in France
I have choosen to keep it simple here. This guide aims to be useful for you all but more specifically for renters as it doesn't include specific cases than homeowners might encounter. The more advanced version is on my to-do list. But, in the meantime, feel free to contact us if you have any questions.
Mastering French Utilities: Electricity, Gas, and Water
When it comes to utilities in France, remember this golden rule: make sure to subscribe to your utility contracts at least 15 days before your arrival date.
This ensures your electricity, gas, and water are up and running when you step into your new home. No cold showers or candlelit dinners unless you want them!
Essential Information for Utility Setup
Before you start, gather these crucial details (your landlord can help):
Full address of your new French residence
Name of the previous tenant (helpful but not mandatory)
Current meter readings for electricity, gas, and water
PDL (Point de Livraison) number for electricity
PCE (Point de Comptage et d'Estimation) number for gas
Desired start date for your services
To get an accurate consumption estimate and potentially reduce costs, try to provide:
Property size (in square meters)
Number of rooms
Type of heating system
Number of occupants
Energy efficiency rating (if available)
Don't stress if you can't get all this info – you can still set up your contracts and get a rough estimate of your bills.
Choosing Your Providers
While EDF dominates electricity and Engie is big in gas, France offers a competitive energy market. Here's a pro tip:
Use the comparison tool on UFC-Que Choisir's website https://www.quechoisir.org/comparateur-energie-n21201/. It's user-friendly and doesn't require personal information, sparing you from endless promotional emails.
Water: A Special Case
For water, you don't choose your provider. Ask your landlord for details and contact the designated company ASAP. In some cases, water might be managed collectively, billed through building management (most buildings built before 2007). Obviously, it can only be the case if you rent an appartment.
Money-Saving Tip: UFC-Que Choisir advises against bundling electricity and gas contracts. It might seem convenient, but it's often not cost-effective.
Staying Connected: Internet and Mobile Services in France
Apply the same 15-day principle to your internet setup. This ensures your router arrives before you do. Pro tip: Choose a collection point if you're worried about delivery timing.
Finding the Best Deal
Once again, UFC-Que Choisir comes to the rescue with their comparison tool: https://www.quechoisir.org/comparateur-fai-n21205/
When comparing offers, pay attention to these elements:
Contract duration
Included options (Do you need a landline or TV package?)
Subscription and cancellation costs
And don't forget to read the small prints! Be wary of hidden costs. For example, Orange was recently penalized for not including router rental fees in their advertised prices.
Mobile Plans
For mobile plans, use this comparison tool: https://www.quechoisir.org/comparateur-forfait-mobile-n43896/
If you need lots of data and international roaming, bundling with your internet provider might be cost-effective. For basic needs, plans start as low as €2 with most providers so not much to save up on here. It might be worse to separate your internet provider to your mobile one.
Expect your SIM card to arrive within 5 working days.
Protecting Your Home: Rental Insurance in France
Home insurance isn't just smart – it's often mandatory for renters in France. Most landlords require proof of insurance before handing over keys. It covers damages to the property and your belongings in case of fire, water damage, or theft.
Major French banks and specialized insurance companies offer home insurance. If you already have a bank account in France, you might want to ask your account manager first. Don't settle for the first offer though. Use comparison tools to find the best deal: https://www.quechoisir.org/comparateur-assurance-habitation-n44712/
Gather these details before subscribing:
Full address of the rental property
Property size in square meters
Number of rooms
Floor level (for apartments)
Type of property (apartment, house, studio)
List of valuable items to be covered
A few things to be mindful about:
Coverage Limits: Ensure the policy covers the full value of your belongings.
Liability Coverage: Check that personal liability protection is included.
Deductibles: Be aware of any "franchise" (deductible) you'll need to pay for claims.
Additional Coverage: Consider add-ons like travel insurance or coverage for high-value items.
Pro Tip: Many insurers offer package deals combining home and car insurance. If you plan to drive in France, this could be a cost-effective option.
By understanding these essential aspects of setting up home in France, you'll be well on your way to a comfortable and secure expat life. Remember, preparation is key, and don't hesitate to ask WTF for help if needed.
