What should you look for when buying student home contents insurance?
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 another address, you also need to make sure you take out insurance for that address. What should you pay attention to when taking out student home contents insurance? What is insured and up to what amount is it insured? These are questions that will be answered below.
What does contents insurance cover?
Contents insurance covers all movable items (things that are movable). This includes, for example, your bed, TV, couch and desk. However, there are different policies within contents insurance. Depending on the coverage you choose, you are insured up to a certain maximum amount. It is also advisable to estimate the value of your belongings. It is usually the case that contents are insured at new-for-old value.
What are the benefits of student home contents insurance
One of the biggest advantages of student house contents insurance? your belongings are insured against damage inflicted by others and possibly also against theft and fire. Often the insurance consists of at least the following:
- Fire, extinguishing and smoke damage;
- Burglary, theft and vandalism;
- Rain, hail, snow and storms;
- Falling trees and cranes;
- Water damage, such as from pipe breakage.
With more comprehensive insurance, damages caused by yourself are also included here.
It also gives peace of mind to know that your belongings are insured. In student houses it sometimes happens that something accidentally breaks or falls over. Being insured helps! However, it is good to know that the insurer may require that each roommate take out insurance for his own rented area. This is often the case when there are locks on rooms. So always check where your belongings are and ask if your roommates are also insured.
Taking out household contents insurance? Calculate your premium!
It also gives peace of mind to know that your belongings are insured. In student houses it sometimes happens that something accidentally breaks or falls over. Being insured helps! However, it is good to know that the insurer may require that each roommate take out insurance for his own rented area. This is often the case when there are locks on rooms. So always check where your belongings are and ask if your roommates are also insured.
How to calculate premium for student home contents insurance
The premium depends on where you live. This is because in Amsterdam the risk of burglary is higher than in Drenthe. The coverage you choose will also affect the premium. Often insurers offer a special student rate. This is of course advantageous for you!
So the calculation depends on several factors:
If you know the amount you want to be insured up to then you can make choices. As mentioned, discounts on insurance often apply to students. So choose wisely. The cost of insurance for students starts at €2 and goes up to €10 per month on average.
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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