Student home insurance from €32,50 / year

Home insurance is intended for students living in mainland France or Corsica (including foreign students) who are tenants in a university residence or CROUS residence or in any other independent accommodation.  

The type of accommodation provided includes 1 to 4 rooms maximum. The accommodation may be furnished or unfurnished.

The accommodation can be a single flat or coliving in student residences (also called “shared” flats)

Student home insurance works if you are under 45 years of age when you sign your contract.

Yes, when you move into rented accommodation, you are legally obliged to take out home insurance which includes at least Tenant’s Liability.

Article 7 of the law of 6 July 1989 specifies that the tenant must insure himself against the risks for which he is responsible in his capacity as a tenant and must justify this when the keys are handed over and then each year at the request of the landlord. Proof of this insurance is provided to the landlord by a certificate from the insurer or its representative.

Therefore, if you do not have proof of student home insurance, your landlord can refuse to rent you the accommodation. He can also give you formal notice to take out insurance by sending you a registered letter with acknowledgement of receipt. If you do not reply within one month of receiving this letter, the landlord may terminate the lease contract or take out insurance, which may be passed on to you in the form of rent.

You must provide your landlord with an insurance certificate each year and at each lease renewal. Etudassur will send this automatically by email when you subscribe or renew your contract.

 You should insure against rental risks to protect yourself against damage caused by fire, explosion or water damage. Of course, in addition to these rental risks, you should also choose a student home insurance policy that includes cover against other common risks, such as theft, glass breakage, furniture insurance, recourse from neighbours and legal protection. If not automatically included in the home insurance policy, civil liability insurance is also strongly recommended.

You are free to choose the insurance company of your choice.

The law of 6 July 1989 specifies that in the event of a claim, you are responsible for any damage you may cause to the building, to neighbours and to all third parties during the period of occupation of your rental.

If you don’t have student home insurance, the legal and financial consequences in the event of a claim could be extremely serious for you!

Civil liability is a legal protection mechanism that covers you when you cause damage to others through fault, imprudence or negligence. Indeed, French law obliges you to repair any material, bodily or immaterial damage caused by yourself, but also by persons for whom you are responsible, or resulting from things in your care (articles 1240, 1241 and 1242 of the Civil Code).

If, for example, you are playing a sport as an amateur and you injure someone, your civil liability will cover the financial costs resulting from this damage, such as the victim’s medical expenses. 

If you fail to do so, you will have to bear the financial consequences of the damage you cause.

There are several types of third party liability cover in a student home insurance policy:

– the classic private liability that we have just mentioned.

– Tenant’s liability to the landlord for damage you may cause to your rented accommodation or the building (such as fire). 

– Civil liability for recourse by neighbours or third parties, which protects you in the event of fire, explosion or water damage causing damage to your neighbours or third parties and originating in your rented accommodation (if, for example, your bathtub leaks and causes water damage to your neighbour’s home on the floor below you). 

However, some damage will not be covered by the Civil Liability of your student home insurance, such as damage you cause intentionally or in the course of sporting activities you are engaged in as a professional.

Etudassur’s student home insurance includes an automatic Third Party Liability (an option that is often paid for by most student home insurance policies). Without a Civil Liability certificate, you will not be able to do an internship in a company or enrol in a higher education institution. If you have third party liability, you will be covered for damage caused during your student year or during your work placement: your home insurance will pay.

If you wish to do an internship abroad in certain countries such as the United States, you will not be issued a student visa without prior proof of liability.

You can download a civil liability certificate in your personal space.

Traditional home insurance fulfils the same function of protecting the home as student home insurance. However, this second category is designed more for students, as these insurances are less expensive, in order to adapt to the economic reality of students. Students usually have a small budget, so the price of student insurance is both reasonable and includes the maximum possible coverage. We negotiate contracts to avoid paying for unnecessary cover or unreasonable insurance limits.

Hence the need to turn to an insurance company that specialises in student insurance, especially student home insurance. 

 The aim, in our opinion, is to do Just Right Cost, i.e. the right things at the right price.

By using our online quote, you will quickly obtain a summary of the home insurance cover you wish to take out and the price of your insurance premium, depending on the characteristics of the property to be insured and the duration of the contract. 

If you are satisfied, you have the option to purchase your student home insurance online immediately after you have received your quote, or at a later date.

You pay the full amount corresponding to the desired insurance period by credit card at the time of subscription.

The guarantees in your contract take effect on the day you choose when you take out the policy. They can at least start on the day you pay for your home insurance policy.

Finding student accommodation is not always easy as the supply of rental accommodation can be limited, especially in large cities. If you have found vacant accommodation, but are only moving in when your course or work placement starts, your landlord may still require you to take out home insurance immediately in order to reserve the vacant accommodation for you. It is imperative that your contract starts on the day indicated on your rental agreement.

If you wish to renew your existing student home insurance policy, go to your personal space, under “Renew my policy”. Enter a valid email address and your contract number.

Your new rented accommodation differs from your previous accommodation (new address, number of rooms, surface area, heating system, etc.), so you can change the characteristics of the accommodation to be insured.

A quotation will be drawn up, specifying the characteristics of the rented accommodation and the price of the insurance.

All you have to do is click on the “pay” option to be insured and receive your insurance certificate.

If you move, there are several options:

If you are staying in a private residence to occupy a studio, we will change the address on your student home insurance policy and send you a new insurance certificate.

Are you moving to a non-university residence or to the CROUS or still in a private university residence, but in a larger flat? Then you should apply for a change and we will contact you.

A single person, a shared flat (up to 3 people) or a couple can take out Etudassur home insurance if they have student status. For a couple, both people must have student status.

You can even insure your flatmates on your student home insurance policy if they have student status.

In the context of the new “shared” or “coliving” flats, the insurance must be taken out individually by each of the tenants. Etudassur offers you an exclusive clause for these flats. Indeed, it is not necessary to insure more than one main room in these types of flats. In the event of a claim in the common areas of this particular dwelling, the policy cover is extended to the shared room(s) in proportion to the number of flatmates. The number of rooms in the contract does not include shared rooms. 

You can take out student home insurance from Etudassur if you are a scholarship student. As with non-scholarship students, you must be under 45 years of age.

You can modify your contract at any time via your partner area. You can also contact us by email or by phone at 01.80.48.14.72 indicating the number of the contract to be modified and specifying your request. 

It is also possible to change your address if you move to a student accommodation of the same nature as those insured by the Etudassur home insurance contract. The accommodation must be in metropolitan France or Corsica.

Once you have taken out your student home insurance policy, you have 14 days to withdraw from it. To do so, log on to your personal space and send us your request or contact us by telephone. 

You will not incur any costs, you do not have to provide any proof, and you will be fully reimbursed.

Once the 14-day period has elapsed, the premium paid cannot be reimbursed if you return the insured home before the end date indicated on your contract. However, you remain insured for Civil Liability until that date.

Contact us by email at sinistre@etudassur.fr or call us on 03.22.53.45.51.

You can also start your procedure via your personal space.

Thanks to your student home insurance, if you need a professional to come to your home quickly, contact the Etudassur assistance service on 01.55.98.71.14. available 24 hours a day. 

In case of water damage, turn off the water supply and contact the residence manager to stop the leak. If necessary, contact the Emergency Service.

If the leakage comes from a neighbouring building, you must fill in and have filled in an amicable water damage report, and then send us this document.

If you are a victim of theft or vandalism, contact the police or gendarmerie directly to inform them of the offence.

Inform the residence manager and the Emergency Service.

Finally, for your student home insurance to work, file a complaint at a police station or gendarmerie. You can also file a complaint by filling in an online declaration, which can be accessed on the website of the Ministry of the Interior.

Don’t forget to send us your complaint within 48 hours.

For all other claims, inform the residence manager and send us a detailed claim report within 5 days by email or via your personal space. 

Your student home insurance protects you in the event of a social security procedure.

Indeed, the latter can exercise recourse against you if it considers that you have caused harm to your spouse, or to your ascendants or descendants if their dependence on this organisation is unrelated to the filial link between you and these persons. 

The insurance also protects you against the financial consequences arising from your civil liability if you cause damage to third parties or to one of your home workers due to the intentional fault of another home worker.

Your student home insurance protects you against the reimbursement of sums you would owe in the event of inexcusable fault on your part in a dispute with the Caisse Primaire d’Assurance Maladie (CPAM). This situation can arise when a domestic employee asks you for compensation for damage suffered (physical and mental suffering, aesthetic and pleasure damage, loss or reduction of professional promotion opportunities).

If you are the victim of a loss that is covered by your student home insurance policy, you are entitled to a relocation allowance. To do this, contact the assistance department of your contract at 01.55.98.71.14 so that they can find you new accommodation. Etudassur will reimburse you for all the costs incurred to rehouse you, up to a limit of €1,000.

As an insured tenant of a home, you have the right to cancel your home insurance contract if it is more than one year old, thanks to the Hamon law. Your insurer cannot charge you any penalties or additional fees if you change insurer.

First of all, you must find and take out a new student housing contract. Once you have signed your new contract with Etudassur, contact us to let us know that you wish to cancel your old contract. We will then take care of cancelling it. By doing so, you authorise us to take all the necessary steps on your behalf with regard to your former insurer.

As soon as we receive your request, we will process it within a maximum of 72 hours (including working days). 30 days after receipt of the registered letter, your former insurer cancels your home policy and your new policy with Etudassur starts.

During the transitional period, your rented accommodation is still covered by your previous student home insurance policy. Your previous insurer is obliged to reimburse you the sums already paid on a pro rata basis for the remaining months if you had opted for an annual premium.