What should you pay attention to when taking out home contents insurance for students?
Have you just moved into your room? Then it is important to know that your belongings are no longer covered by your parents' insurance. If you are registered at a different address, you should also make sure that you take out insurance for that address. What should you pay attention to when you take out home contents insurance for your student house? What is insured and up to what amount? These are questions that will be answered below.
What does household contents insurance cover?
A contents insurance covers all movable items (things that can be moved). This includes, for example, your bed, TV, couch and desk. However, there are different insurances within the household contents insurance. Depending on the coverage you choose, you are insured up to a certain maximum amount. It is also advisable to make an estimate of the value of your possessions. It is usually the case that the contents are insured at new value.
What are the advantages of home insurance for students?
One of the biggest advantages of a student home contents insurance? Your belongings are insured against damage caused by others and possibly also against theft and fire. Often the insurance consists of at least the following items:
- Fire, extinguishing and smoke damage;
- Burglary, theft and vandalism;
- Rain, hail, snow and storm;
- Falling trees and cranes;
- Water damage, e.g. due to pipe breakage.
With a more comprehensive insurance, self-inflicted damages are also included.
It is also reassuring to know that your belongings are insured. In student houses, it sometimes happens that something accidentally breaks or falls over. Being insured helps then! It is good to know, however, that the insurer may require each housemate to take out insurance for his/her own rented area. This is often the case when rooms have locks. So always check where your things are and ask whether your housemates are insured too.
It is also reassuring to know that your belongings are insured. In student houses, it sometimes happens that something accidentally breaks or falls over. Being insured helps then! It is good to know, however, that the insurer may require each housemate to take out insurance for his/her own rented area. This is often the case when rooms have locks. So always check where your things are and ask whether your housemates are insured too.
How to calculate the premium for contents insurance student house
The premium depends on where you live. In Amsterdam, the risk of burglary is greater than in Drenthe. The coverage you choose also affects the premium. It is often the case that insurers offer a special student rate. This is of course advantageous for you!
The calculation therefore depends on various factors:
If you know the amount you want to be insured for, you can make your choice. As mentioned, there are often discounts on insurance for students. So choose wisely. Insurance costs for students start at €2 and average up to €10 per month.
Getting student home contents insurance? Check out the options at Alpina!
Do you want to take out student home contents insurance? Then you've come to the right place at Alpina. At Alpina you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
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