Home contents insurance for students
Home contents insurance is not mandatory, but it is smart. Especially for students. With contents insurance you insure the loose belongings in your student house or room. This way you avoid high costs in case of theft, damage or fire.
Compare household insurance policiesGetting well insured to move in as a student
Moving into a room? Then take out your own household contents insurance. After all, your belongings are no longer covered by your parents' contents insurance. You take your things from home with you, but you may also have bought new furniture for your room. Of course, you'll want to insure those properly.
Risks of student housing
In student rooms, the risk of burglary or theft is higher. This also happens because it is not always clear who is going in or who is home. Students on weekends are often away. This is why many insurers want student rooms to be able to be locked when you take out contents insurance.
With multiple residents, there is also more chance of damage, such as from open windows or doors, something burning, or a cigarette not properly extinguished. This often happens in common areas, but your room can also be affected.
Contents insurance coverage.
Contents insurance protects your belongings from the following damages:
Additional coverages
For students looking to purchase contents insurance, these additional coverages are also useful:
- Coverage for outdoor use. Especially if you are often on the road with your laptop, smartphone or other valuables.
- Additional coverage for expensive study materials, such as musical instruments.
- Also consider student liability insurance. This will also cover damage you accidentally cause to your roommates.
Calculate value of contents
Your belongings are often worth more than you think. For example, what if you have to buy everything from scratch in the event of a fire? This is a big expense. Especially since, as a student, you still have little or no income.
Calculate the value of the contents of your room and dorm with the insurer's contents value meter. Often this tool provides a guarantee against underinsurance for a certain period of time. Usually this is 5 years.
Theft-prone items student room
Laptop, smartphones and tablets
Headphones or earbuds (such as AirPods)
Jewelry (such as watches, necklaces or rings)
Cameras and accessories
Gaming consoles (such as PlayStation, Xbox or Nintendo Switch)
Musical instruments (for example, a guitar or keyboard)
Bicycles (especially if they are next to the dorm room)
Calculate premium level
The calculation of your premium depends on several factors. The insurer roughly looks at the following:
- What coverage you choose. For example, basic coverage or all-risk insurance.
- Where you live. In Amsterdam, for example, the risk of burglary is higher than in Drenthe.
- Your deductible. With a high deductible, you pay less premium and vice versa.
- Maximum insured amount. The higher the value of your contents, the higher your premium.
Insurance costs and student discounts
Contents insurance for students will cost you €2 to €10 per month. Insurers sometimes have special student discounts. Usually at the beginning of your academic year. This is of course beneficial for you! Compare different providers and find the cheapest home contents insurance.
Discount in security measures
Some insurers offer lower premiums or more comprehensive coverage if you show that you take preventive measures to secure your belongings. Check with the insurer to see what measures qualify. For example:
- Install sturdy locks on doors and windows.
- Use a safe for valuables such as laptops or jewelry.
- Provide well-lit areas.
- Work with roommates to reduce burglary risks.
Co-insuring with your parents
Sometimes, as a student, you can be co-insured on your parents' contents insurance, especially if you live at home. This depends on the insurer and the policy terms. Usually, your parents' contents insurance only covers damage at their own address. However, there are exceptions:
- With some insurers, students living away from home who are pursuing full-time studies can be co-insured as additional family members.
- Sometimes this applies to out-of-home student children up to age 28 and provided that all-risk contents insurance is in place.
Calculate and compare premiums
Through our website you can easily calculate the premium of a household insurance. To do this, we need information about the house and contents. So make sure you have that information at hand. You can also compare and take out other important insurance policies, such as liability insurance.
Also compare coverage
There are many insurers offering household contents insurance. Not all of these products are the same in terms of coverage. So a higher premium does not necessarily mean a better product for you. A low premium may be attractive, but you may be paying a relatively high deductible. You decide which coverage is best for you.
Compare household insurance policies
Fully informed? Calculate your premium, compare policies and find the cheapest home contents insurance for students. Content insurance comparison.
Frequently asked questions about student contents insurance
Can household insurance be shared with roommates?
When taking out a household contents insurance policy, you must include your family composition specify. Roommates cannot be co-insured. However, you can take out insurance for your own room, where the premium is tailored to your situation as a student living away from home.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.