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Home insurance dedicated to CROUS accommodation
- From €2.70 / month
Etudassur, a specialist in student home insurance, has designed tailor-made accommodation insurance for CROUS residences to meet the specific needs of this type of accommodation, at the fairest possible price!
Why take out CROUS home insurance from €2.70/month?
Home insurance covers tenants if they cause damage to third parties (landlords, neighbours, etc.) or in the event of damage to their accommodation (fire, water damage, theft, etc.).
Students renting CROUS accommodation are obliged to take out insurance.
CROUS home insurance is also a way of preventing certain risks inherent in the accommodation and the insured party’s personal belongings inside their student accommodation, such as theft or vandalism.
If you do not have insurance, you must bear the full financial consequences of any damage you cause to others. However, there are certain situations in which it may not be possible to cover a claim, particularly if the insured person is negligent or causes damage intentionally.
When it comes to student home insurance, you need to pay close attention to the extent of cover: depending on the insurance company and the package, some damage is not systematically covered, even with CROUS multi-risk home insurance.
Third-party liability, which covers risks in the event of damage caused by the insured party, is a perfect illustration of the different levels of protection offered by home insurance: some plans cover only rental risks vis-à-vis the owner of the property or the building (damage caused by fire, explosion or water damage). On the other hand, certain damage to the home or building is not covered (e.g. theft of computer equipment, glass breakage, vandalism, etc.). That’s why it’s important to be vigilant, and to check all the guarantees included in student housing contracts.ement covered, even with CROUS multi-risk home insurance.
What guarantees are useful to include in a contract?
In addition to the rental risk guarantee – compulsory insurance! This cover is the minimum you should have, and must be automatically included in your contract, whatever it may be, here are some essential guarantees:
- Comprehensive third-party liability
In addition to rental risk cover (or tenant’s liability), we strongly advise you to take out student insurance that includes personal liability cover, as well as recourse cover for neighbors and third parties.
CROUS home insurance with personal liability covers you against property damage and bodily injury caused by you or your family to third parties in the course of your private life. It covers you at school if you’re doing an internship or summer job.
- Neighbours’ and third parties’ recourse” cover protects you against damage caused to neighbours or third parties and originating in your student accommodation (e.g. fire). This cover, if included in CROUS home insurance, also applies to people for whom you are responsible and things belonging to you or in your care.
- In addition to all these guarantees, your policy should include 24/7 assistance, which works when you are at home, away on business or abroad. This cover allows you, for example, to call on emergency service providers (locksmith, plumber, etc.) with insurance-approved rates to avoid unpleasant surprises.
- Finally, damage. In addition to the risks of fire, water damage and explosion (with regard to your landlord, but also to third parties), here are a number of guarantees that are not compulsory, but which are useful to include in a CROUS home insurance policy:
- Broken glass
- Travelling Stay
- Natural disasters
- Climatic events (storms, hail, snow, etc.)
- Defence costs
(the coverages below are included in the Etudassur “XXL” package)
- Electrical damage
- Theft/vandalism
- Insect control for bed bugs
- Loss of home keys
- Bicycle theft
- Strike (preventing you from sitting your exams)
The advantages of the CROUS formula
CROUS
from 2,70€ per month*
CROUS
from 2,70€ per month*
Fire
Water damage
Natural disasters
Climatic events
Rental liability
Private and school civil liability
Guarantees designed for CROUS
Our special CROUS home insurance is based on a very simple idea
No frills!
Just the cover you need to protect your CROUS accommodation!
Similarly, the ceilings and excesses for this package are tailored to your CROUS accommodation.
Easy subscription
Taking out our home insurance is simple and can be done in just a few clicks. All you need is the name of your student residence, the number of rooms in your accommodation and a few minutes of your time.
Easy contract management
Once you have taken out a policy, you will receive an e-mail with your login details for your personal area, where you can manage your policy, report claims, renew your policy or simply stay in touch with our services.
- From €3.33 / month
the private and school civil liability option
Discover our other student accommodation packages!
At Etudassur, we understand the challenges students face when living in CROUS residences.
That’s why we’re committed to providing you with home insurance that not only meets your needs but accompanies you throughout your university career. Protect your home today with Etudassur.
FAQ
Is insurance required in a CROUS residence?
Yes. Home insurance is mandatory for all tenants of CROUS housing, just as it is for any other housing in France. The CROUS may ask you for proof of coverage when you receive the keys. Without insurance, you would be personally liable for any damage caused to your neighbors or to the property. 💡 With Etudassur, you’ll receive your home insurance certificate immediately after signing up—which is convenient for the key handover meeting.
Why is CROUS insurance cheaper than insurance for private housing?
The CROUS Essential plan starts at €2.70/month because it is tailored to the specific risk profile of public university housing. The guaranteed coverage amount is €4,500 (compared to €6,000 for private housing), which corresponds to the typical personal belongings of a student living in CROUS housing. 💡 In CROUS housing, units are generally smaller and the personal property more modest than in private housing—the coverage is adjusted accordingly.
What benefits are included in the CROUS Essential plan?
The CROUS Essential Plan includes: Fire and similar events (€4,500, €100 deductible) Weather-related events (€4,500, €228 deductible) Water damage (€4,500, €100 deductible) Natural and technological disasters Attacks and terrorism Tenant liability (€10,000,000) Personal liability (€10,000,000) ⚠️ The CROUS Essential plan does not include: broken glass, theft, lost keys, bed bugs, or electrical damage—these coverages are available only with the XXL plan.
How do I submit my proof of insurance to the CROUS?
Your MRH certificate is automatically sent by email as soon as your payment is confirmed—to both you and your residence manager, if your residence is listed. You can also download it at any time from your customer portal (assure.etudassur.fr → “My Documents”). 💡 If the CROUS requests a certificate before your arrival, sign up online the day before or the same day you receive your keys—you’ll receive the certificate within minutes.
What does the CROUS housing liability insurance cover?
Tenant Liability Insurance (€10,000,000) protects you if you cause property damage to the rental unit or to your neighbors—such as a water leak, accidental fire, or unintentional damage. Personal Liability Coverage (€10,000,000) covers damage caused outside your home in your personal life—such as damage caused by pets, amateur sports activities, or occasional babysitting. 💡 Liability coverage is the most important type of coverage—without it, you would be personally liable for damages that could amount to several hundred thousand euros.
Does CROUS insurance also cover shared rooms or university housing?
Yes. The Etudassur CROUS insurance policy is suitable for all types of university housing: single rooms, studio apartments, and housing in university residence halls. The policy specifies the number of main rooms in your living space at the time of enrollment. 💡 For rooms with shared common areas (such as a shared kitchen or bathroom), coverage extends to the common areas on a pro-rata basis according to the number of occupants.
Under what circumstances will a claim not be covered, even by CROUS?
Several situations may result in a denial of coverage: Obvious negligence (ventilation system turned off, windows left open during rain, etc.) Intentional damage caused by the insured Normal wear and tear on furniture Events occurring prior to the policy’s effective date Late reporting without a valid justification 💡 If you’re unsure about a situation, contact the team before filing a claim: contact@etudassur.fr or 01.80.48.14.72.
What contract term should I choose for CROUS housing?
The available terms are 3, 6, or 12 months. For a typical CROUS housing unit (one academic year), the 9- or 12-month term is the most suitable. If you’ll only be staying in the housing for one semester, choose 3 or 6 months. The contract is a fixed-term agreement without tacit renewal—it is not automatically renewed. Be sure to renew it before it expires. 💡 The minimum term is 3 months—monthly contracts are not available.
Can an international student purchase Etudassur CROUS insurance?
Yes. International students can purchase Etudassur insurance regardless of their country of origin, as long as they are tenants of student housing in France. The website is available in English, Chinese, and Spanish. The policy is governed by French law. 💡 For international students coming to France, Etudassur also offers “Come to France” travel health insurance through Chapka (starting at €56/month), which is often required for a visa.
How do I cancel my CROUS contract if I move out before the end of the lease?
✅ Cancel directly from your customer portal (assure.etudassur.fr) by uploading your move-out inspection report. You will receive a pro-rated refund of the remaining premium on the card used for payment. ⚠️ Cancellation cannot be retroactive—it takes effect on the date we receive the move-out inventory, not on the date you move out. Please submit it as soon as possible.
