Student home insurance for private student residences

Home insurance is designed for students living in mainland France or Corsica (including foreign students) who rent accommodation in a university residence, CROUS residence or any other independent dwelling.

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

Accommodation may be a single apartment or a shared apartment in a student residence.

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

Yes, when you move into a rented property, you are legally obliged to take out a home insurance policy covering at least tenant’s civil liability.

Article 7 of the French law of July 6, 1989 stipulates that tenants must insure themselves against the risks for which they are responsible as tenants, and must provide proof of this when the keys are handed over, and every year thereafter at the request of the landlord. Proof of this insurance is provided by a certificate issued by the insurer or its representative.

So, if you don’t have proof of student home insurance, your landlord can refuse to rent you the accommodation. The landlord can also send you a registered letter with acknowledgement of receipt. If you fail to respond within 1 month of receiving this letter, the landlord may automatically terminate the lease or take out insurance, which may be passed on to you in the form of rent.

You must provide your landlord with a certificate of insurance each year and each time you renew your lease. Etudassur will send this automatically by e-mail when you take out or renew your contract.

You must take out rental risk insurance to protect you against damage caused by fire, explosion or water damage. Of course, in addition to these rental risks, you should also take out a rental insurance policy.

The French law of July 6, 1989 stipulates that in the event of a claim, you are responsible for any damage you may cause to the building, neighbors and all third parties during the time you occupy your rental property.

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

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

If, for example, you are an amateur sportsman and injure someone, your Civil Liability will cover the financial costs resulting from the damage, such as the victim’s medical expenses.

Otherwise, you’ll have to bear the financial consequences of the damage you cause.

There are several types of Third-Party Liability cover available under a student home insurance policy:

– the classic private liability cover we’ve just mentioned.
– Tenant’s Civil Liability towards the landlord, for damage you may cause to your rented accommodation or the building (such as fire).
– Liability for recourse by neighbors or third parties, which protects you in the event of fire, explosion or water damage causing damage to your neighbors or third parties and originating in your rented accommodation (if, for example, your bathtub leaks and causes water damage to your neighbor on the floor below you).

However, certain types of damage are not covered by the R

Etudassur’s student home insurance includes an automatic Third Party Liability cover (often a paying option for most student home insurance policies). Without a Civil Liability certificate, you won’t be able to do an internship or enroll in a higher education institution. However, if you have third-party liability, you’ll be covered for any damage caused during your student year or work placement: your home insurance will pay.

If you wish to do an internship abroad in certain countries, such as the USA, you will not be issued a student visa without prior attestation of Civil Liability.

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

Conventional home insurance fulfils the same function as student home insurance. But this second category is designed more for students, as these policies are less expensive, in order to adapt to the economic reality of students. Since students generally have a small budget, student insurance rates are both reasonable and include 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 specializing in student insurance, particularly student home insurance.

In our opinion, the aim is to offer Just Right Cost, i.e. the right things at the right price.

Using our online quote, you’ll quickly get a summary of the home insurance cover you’d like to take out and the price of your premium, based on the characteristics of the property to be insured and the term of the policy.

If you’re satisfied, you can take out your student home insurance online immediately after receiving your quote, or at a later date.

You pay in full by credit card the amount corresponding to the duration of insurance requested at the time of subscription.

Your policy cover takes effect on the day you choose when you take out the policy. At the very least, coverage can begin on the day you pay for your home insurance policy.

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

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

If your new rental property differs from your previous one (new address, number of rooms, surface area, heating system, etc.), you can change the characteristics of the property to be insured.

A quotation will be drawn up, specifying the characteristics of the rented property 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’re moving, there are several options:

If you’re staying in a private residence and moving into a studio apartment, we’ll change the address on your student home insurance policy and send you a new insurance certificate.

If you’re moving to a non-university hall of residence or to a CROUS hall of residence, or if you’re still living in a private hall of residence, but in a larger apartment? If so, you’ll need to request a change of address, and we’ll get back to 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 parties must have student status.

You can even insure your roommates on your student home insurance policy if they have student status. For the new “shared” or “coliving” apartments, insurance must be taken out individually by each tenant. Etudassur offers you an exclusive clause for these apartments. You don’t need to insure more than one main room in this type of accommodation. In the event of a claim in the common areas of this particular dwelling, policy cover is extended to the shared room(s) in proportion to the number of co-tenants. The number of rooms stated in the contract does not include shared rooms.

You can take out student home insurance from Etudassur if you are a scholarship student. Like non-scholarship students, you must be under 45.

You can modify your contract at any time via your partner area. You can also contact us by email or by telephone on 01.80.48.14.72, giving us the number of the contract you wish to modify and specifying your request.

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

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

You won’t incur any costs, you don’t need to provide any proof, and you’ll receive a full refund.

Once the 14-day period has elapsed, the premium paid cannot be reimbursed if the insured home is returned before the end date indicated on your contract. However, you remain covered for third-party 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 Etudassur’s assistance service on 01.55.98.71.14. available 24/7.

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

If the leak is coming from a neighboring building, you must fill in a water damage report and have it filled in, then send this document to us.

If you are the 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, lodge a complaint at the police station or gendarmerie. You can also file a complaint by filling in an online declaration on the Ministry of the Interior website. 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 declaration within 5 days by e-mail or via your personal space.

Translated with DeepL.com (free version)

Your student home insurance policy protects you in the event of Social Security proceedings.

The Social Security can take action against you if it considers that you have caused harm to your spouse, or to your ascendants or descendants, if their dependence on the Social Security has nothing to do with your filial relationship with them.

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 employees due to the intentional fault of another home employee.

Your student home insurance policy protects you from being reimbursed 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 or mental suffering, aesthetic or pleasure loss, loss or reduction in opportunities for professional advancement).

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

As an insured tenant of a property, you have the right to cancel your home insurance contract if it is more than 1 year old, thanks to the Hamon law. Your insurer cannot charge you any penalties or additional fees if you change insurers.

First of all, you need to find and take out a new student home insurance policy. 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. In this way, you authorize us to take all the necessary steps on your behalf with regard to your previous 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 insurance contract, and your new contract with Etudassur begins.

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