Get contents insurance for a room

Are you moving into a room? Then it is wise to take out your own household insurance. Your belongings will no longer be covered by your parents' home contents insurance. You take your things from home with you, but you may also have bought some new furniture for your room. Then, of course, you'll want to make sure it's properly insured. We tell you everything you need to know about home contents insurance for your room.

Taking out household contents insurance when you move in: why?

As a student, you often have expensive items. A laptop for your studies, a smartphone and expensive textbooks. Contents insurance protects your belongings against the following damages:

• Fire damage
• Water damage
• Theft, burglary and vandalism
• Rain, hail, snow and storms
• Falling trees and cranes

With the most comprehensive contents insurance for your room, damages caused by yourself are also covered. So you can be sure that your belongings are well insured. That's good, because damage is especially lurking in a student residence. With multiple occupants in one house, there is a greater chance that something gets damaged. For example, if a window or door is left open, someone lets something burn or a cigarette is not properly expressed. This often happens in the common areas, but can also affect your room. Moreover, burglaries are relatively more common in student houses, because burglars know that students often go home on weekends.

Insurer requirements for contents insurance room

Insuring a room carries a higher risk for the insurer. In particular, sharing common areas. In addition, the risk of burglary or theft is much higher in a student residence. It's hard to keep track of who all visits each other. Moreover, perhaps not every student room has a good lock, or sometimes the resident forgets to lock his or her room. Therefore, many home contents insurance companies require that the student room must be able to be locked. That way, not just anyone can walk into the room, and the risk of damage from burglary is already much lower.

The insurer may also require each roommate to purchase contents insurance for their own room. This is usually the case if there are locks on the rooms. Therefore, always check to see if your roommates are insured. Also, always check the policy conditions of your household contents insurance if your insurer has any other requirements. Insurers can also exclude certain things from coverage.