Home Contents Insurance for Students
Home contents insurance isn't required, but it's a smart move—especially for students. With home contents insurance, you insure the personal belongings in your student housing or room. This helps you avoid high costs in the event of theft, damage, or fire.
Compare Home Contents Insurance PoliciesGetting Proper Insurance When Living in Student Housing
Are you moving into a dorm? If so, be sure to get your own personal property insurance. Your belongings are no longer covered under your parents’ personal property insurance. You’ll be bringing your things from home, but you may also have bought new furniture for your room. Of course, you’ll want to make sure those items are properly insured.
Risks Associated with Student Housing
Student apartments are more prone to break-ins or theft. This is partly because it’s not always clear who’s coming in or who’s home. Students are often away on weekends. That’s why many insurers require that student apartments be lockable if you take out home contents insurance.
With multiple residents, there’s also a greater risk of damage—for example, from open windows or doors, something catching fire, or a cigarette that wasn’t properly extinguished. This often happens in common areas, but your room could also be affected.
Top 5 Most Affordable Home Contents Insurance Policies in 2026
| Insurance Company | Price per month | Own risk | Own risk storm |
|---|---|---|---|
| Unigarant | €9,19 | €100 | €350 |
| Nationale Nederlanden | €10,35 | €150 | €150 |
| a.s.r. | €12,02 | €100 | €0 |
| Allianz | €14,66 | €100 | €100 |
| The Gouda | €15,40 | €150 | €0 |
Home Contents Insurance Coverage
Home contents insurance protects your belongings against the following types of damage:
Additional Coverage
For students who want to purchase home contents insurance, these additional coverages are also useful:
- Coverage for outdoor use. Especially if you're often on the go with your laptop, smartphone, or other valuables.
- Additional coverage for expensive educational materials, such as musical instruments.
- You should also consider getting liability insurance for students. This will cover any damage you accidentally cause to your roommates.
Calculate the Value of Household Goods
Your belongings are often worth more than you think. What if, for example, you had to replace everything after a fire? That would be a major expense—especially since, as a student, you have little or no income.
Calculate the value of the contents of your room and student housing using the insurer’s contents valuation tool. This tool often provides coverage against underinsurance for a specific period. This is usually 5 years.
Items in a student's room that are prone to theft
Laptops, 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 (such as a guitar or keyboard)
Bicycles (especially if they're parked next to the student's room)
Calculate Premium Amount
The calculation of your premium depends on several factors. The insurer generally considers the following:
- What type of coverage you choose. For example, basic coverage or comprehensive 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 a lower premium, and vice versa.
- Maximum insured amount. The higher the value of your household contents, the higher your premium.
Insurance Costs and Student Discounts
Home contents insurance for students costs between €2 and €10 per month. Insurers sometimes offer a special student discount, usually at the start of the academic year. This is, of course, a great deal for you! Compare different providers and find the cheapest home contents insurance.
Discount for Safety Measures
Some insurers offer lower premiums or more comprehensive coverage if you can show that you’re taking preventive measures to secure your belongings. Check with your insurer to see which measures qualify. For example:
- Install sturdy locks on doors and windows.
- Use a safe for valuables such as laptops or jewelry.
- Make sure the rooms are well-lit.
- Work together with your housemates to reduce the risk of burglary.
Being Covered Under Your Parents' Insurance
Sometimes, as a student, you can be covered under your parents’ home contents insurance, especially if you live at home. This depends on the insurer and the policy terms. Usually, your parents’ home contents insurance only covers damage at their own address. However, there are exceptions:
- With some insurers, students living away from home who are enrolled in a full-time program can be covered as an additional family member.
- In some cases, this applies to children who are students living away from home up to age 28, provided that they have comprehensive household contents insurance.
Calculate and Compare Premiums
You can easily calculate the premium for home contents insurance on our website. To do so, we’ll need information about your home and its contents. So make sure you have that information on hand. You can also compare and purchase other important insurance policies, such as liability insurance, through us.
Compare the coverage as well
There are many insurers that offer home contents insurance. Not all of these products offer the same coverage. So a higher premium doesn’t necessarily mean a better product for you. A low premium may be appealing, but you might end up paying a relatively high deductible. You decide which coverage suits you best.
Compare Home Contents Insurance Policies
Want to stay up to date? Calculate your premium, compare insurance policies, and find the cheapest home contents insurance for students. Compare home contents insurance policies.
Frequently Asked Questions About Home Contents Insurance for Students
Can home contents insurance be shared with housemates?
When taking out home contents insurance, you must specify your specify your household composition . Roommates cannot be included on the policy. However, you can take out insurance for your own room, with a premium tailored to your situation as a student living away from home.
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