Changing housing involves reviewing all of one’s contracts, and home insurance is among the most sensitive adjustments. What deadlines should be respected, what guarantees should be adapted, and above all, how to avoid a period without coverage between two addresses? This article examines the options offered by Maaf during a move, comparing them to the legal mechanisms that govern the modification or termination of a home insurance contract.
Temporary double coverage between two homes: what the Maaf contract provides
Most moving guides focus on boxes and administrative formalities. They overlook a technical point that generates disputes: the portability of guarantees during the overlapping period between the old and new homes.
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When a tenant leaves an apartment with one month’s notice (or three months depending on the area), they may already occupy the new home while still being legally responsible for the old one. Some recent contracts explicitly provide for temporary double coverage at both addresses. Others strictly limit the guarantee to a single declared address.
Before finalizing a move, it is therefore useful to check with Maaf whether the current contract allows for this simultaneous coverage, or if a second insurance policy needs to be taken out for the duration of the overlap. The process to manage your move with Maaf begins with this verification, well before the box-packing stage.
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Termination or transfer of Maaf contract: comparison of options when moving
Annual termination (RIA) has changed the game for policyholders. After one year of contract, a policyholder can terminate their home insurance at any time, without waiting for the anniversary date. This mechanism coexists with the special right related to moving, which allows termination within three months following the change of address, even before the first year.
The table below summarizes the two possible paths with Maaf when changing homes.
| Option | Condition | Deadline | Price consequence |
|---|---|---|---|
| Transfer of the existing contract | Remain insured with Maaf | Declaration before or just after moving in | Recalculation of the premium based on the new home (size, location, floor) |
| Termination for moving | Effective change of address | Within three months following the moving date | Pro-rata refund for the uncovered period |
| Annual termination (RIA) | Contract of more than one year | At any time, effective within a month | Pro-rata refund |
The transfer remains the smoothest option when the new home corresponds to the same risk profile. Termination is only of interest if the new home justifies a change of insurer, for example, moving from an apartment to a detached house with outbuildings, or moving to an area with a different natural risk.
Online moving declaration with Maaf: process and common pitfalls
Maaf offers a dedicated process from the online customer space and mobile app. This digital channel allows you to declare a move, simulate the new rate based on the future home, and validate the modification without postal mail or visiting an agency.
Information to prepare before the declaration
- The complete address of the new home, including the floor and any outbuildings (cellar, garage, shed)
- The exact moving-in date, which determines the start of coverage at the new address
- The actual living area of the new property, as it directly affects the premium calculation
- The occupancy status (owner or tenant), which modifies the applicable guarantees
A common pitfall is declaring the move after moving in without checking the effective date. Any period without declaration is a period without effective coverage on the new home, even if the old contract is still in effect.
Rate simulation before validation
The Maaf customer space includes a simulator that recalculates the premium based on the characteristics of the new home. This recalculation can lead to a significant increase or decrease.
An apartment in the city center replaced by a house in a rural area changes the risk profile (burglary, natural disaster, water damage). Simulating the new rate before confirming the transfer helps avoid discovering an increase afterward.
Adapting home guarantees to the new property
Transferring a contract does not mean that the guarantees remain appropriate. A move is an opportunity to review three often-overlooked parameters.
The declared contents value must correspond to the actual value of the belongings in the new home. Underestimating leads to partial compensation in case of a claim (proportional rule). Overestimating results in unnecessarily high premiums.
Optional guarantees also deserve a re-examination. Pool insurance no longer makes sense in an apartment. Conversely, a garden or a conservatory in the new property may require a specific extension of coverage.
- Check the reimbursement limit for valuable items (jewelry, computer equipment, musical instruments)
- Adjust theft coverage if the new home is on the ground floor or has direct outdoor access
- Add or remove outbuilding coverage depending on the property’s configuration
The automatic transfer of the contract does not update these parameters. The insured must adjust them manually during the declaration or in the following weeks.
Moving is one of the rare moments when an insured has a concrete lever to renegotiate or leave their contract without fees. At Maaf, the digital process simplifies the approach, but effective coverage depends on the accuracy of the declared information, not just on having clicked “validate”.