Even if it is not legally mandatory, home insurance for students is highly recommended. It protects your personal belongings against theft or damage, while also covering you in case of civil liability – for example, if you unintentionally cause water damage to your home or a neighbor's home.

Navigating the world of insurance can seem complex, especially as a young adult. This guide has been designed to explain in a simple and practical way the essential elements to know about student home insurance, to help you make an informed choice.

What is student home insurance?

Student home insurance is financial protection specifically designed for people renting apartment during their studies. Known as renter's insurance, it protects you in case of problems in your student apartment.

You might be thinking: "But aren’t I already covered by my parents' insurance?" It's possible! Some parents' insurance policies include coverage for their children who are away at school, generally up to 10% of the insurance amount for their belongings. However, this protection can be limited. That's why we strongly recommend you take out your own home insurance.

Why get student home insurance?

Personal belongings protection

Student home insurance offers essential protection for your important belongings like your computer, cell phone, and textbooks. It covers you against common risks such as theft, fire, and water damage. In the event of a claim, you will be reimbursed for the value of your damaged or stolen items.

Civil liability

Civil liability plays a crucial role in your home insurance. It protects you if you unintentionally cause material or bodily damage to another person. This protection is particularly important when sharing an apartment or living in a student residence where you regularly interact with others.

Peace of mind

Home insurance offers invaluable peace of mind. You can fully concentrate on your studies without worrying about unforeseen events that could occur in your apartment. In case of a problem, such as water damage or a burglary, your insurer will help you manage the situation.

What are the specifics of home insurance for a student?

Options for shared apartment or furnished apartments

Each roommate generally needs to take out their own home insurance. This allows each person to be individually protected in case of a claim. In some cases, roommates may agree to share insurance costs, but this approach requires clear coordination and a prior agreement.

For furnished apartments, specific coverages are often added to the protection, notably to cover the furniture provided by the owner. The amount of the insurance premium then depends not only on the size of the apartment but also on the value of the furniture to be insured.

Sometimes, home insurance can be included in rental charges, especially in student residences or apartments managed by agencies. Some insurers even offer packages specifically designed for student housing, with protections tailored to actual needs and a reduced monthly cost.

Conditions for being covered by parents' insurance

As mentioned at the beginning of the article, a student can be covered by their parents' home insurance, provided certain conditions must be met. The student must be enrolled full-time in a recognized educational institution. They must also be financially dependent on their parents, which generally excludes students who work full-time or live completely independently.

Furthermore, the coverage offered by parents' insurance is often limited. Depending on the insurer, additional coverages may be required, especially if the student lives in a separate apartment rather than a university residence.

What are the steps to properly protect your home (as a student)?

Get home insurance online

We recommend starting by getting a free online quote. Fortunately for you, we've created a 100% online home insurance quote experience that allows you to get your price in just a few clicks.

Get your documents ready before signing

Here are the documents to have on hand before signing up for your insurance:

• A valid ID
• Proof of your student status (student ID card)
• Your bank account details (bank account statement)
• A simple inventory of your belongings and their approximate value

Know how to file a claim in case of a loss

In case of a problem in your apartment, here are the steps to follow:

• Contact your insurer as soon as possible
• Take photos of the damages or stolen items
• Keep all proof (invoices, bank statements)
• Respect the reporting deadlines indicated in your contract
• Carefully complete the claim form

Keep a complete file with all documents related to your home insurance. This will help you make your claim more easily if needed. If you live in shared apartment, make sure everyone knows how to proceed in case of a loss.

Trust sonnet for renter's insurance!

Looking for home insurance suited to your student life? Sonnet Insurance understands your unique needs. We offer fully online insurance solutions, with instant quotes and immediate policy activation. Choose Sonnet for a simple and affordable protection tailored to your needs!

Frequently asked questions about student home insurance

Am I responsible for damage unintentionally caused to a roommate?

Your civil liability applies if you cause damage to others, even unintentionally. Each roommate should have their own renter's insurance. We invite you to carefully review the specific clauses related to shared apartment in your contract to understand the extent of your coverage.

How do I choose an appropriate coverage amount?

To choose an appropriate coverage amount, start by estimating the total value of your personal belongings (clothing, electronics, furniture, etc.) and keep proof like photos or receipts. Student home insurance protects you in case of theft, fire, or water damage, but certain coverages may be limited depending on the type of item insured. If you own valuable items, it may be wise to opt for higher coverage to be well compensated in case of a loss.

Am I covered during an internship abroad?

You should check if your policy covers travel abroad. Remember to inform your insurer of any changes in your situation. If your parents' policy does not cover this risk, consider individual home insurance.