Student contents insurance

If you have just started college and would like to move to the city, you have probably been looking for a room for some time. Once you've found one, you can finally go out on your own. Now that the search for a room is over, there are plenty of questions coming your way: what do I bring? What am I going to pay? Does that price include or exclude gas, water and light? Are my belongings insured? What insurances do I actually need? In this article, we will look at home contents insurance for students. After all, is it necessary?

Is contents insurance mandatory as a student?

Home contents insurance is not required by law for students. Still, it is wise to consider it. When you go out on your own, you take stuff with you. Those items also have value. Think about your bed, laptop, television and office chair. You probably have more stuff of value than you think. Should a fire break out or a burglary occur; you can ask the insurance company to compensate you for the damage. Are you not insured? Then you're out of luck in case these things are damaged, and you have to pay for the damage suffered yourself. Studying is expensive enough... Unnecessary expenses are therefore not welcome. Most insurers often offer student insurance policies for students. With these insurances you are well covered, but you pay a lot less. Makes sense, because, of course, you don't have an entire house to insure. It's usually a student room of limited size.

Content insurance comparison for students

It is wise to compare different household insurance policies. After all, there are many differences in insurance and coverage. Being a student, you probably go for the very cheapest insurance. But beware: the lowest coverage may also mean that the coverage is not very good. It's sometimes better to pay a few euros more in the month. That way, you can be sure that your belongings are properly covered.

When comparing student contents insurance, always check the amount of the deductible as well. One insurer may not apply a deductible, while another insurer may charge as much as €200 deductible in the event of damage. Also, different insurers may have different types of requirements regarding the payment of damages. This makes comparison important, but reading through the policy conditions even more important!

Beyond the differences between insurers, there are also different coverages that insurers offer for student home contents insurance. In general, there are three different contents insurance policies that you as a student can choose from, namely:

• Comprehensive contents insurance: this is the basic contents insurance. This insurance covers: fire, lightning, storm, theft, vandalism, water damage and explosion damage, among others.
• Extra comprehensive contents insurance: this insurance covers the items that are also included in the comprehensive contents insurance, and more! With this coverage you are also insured, among other things, for items that break down due to power failure, or are no longer usable due to (extreme) frost.
• All-risk household contents insurance: this insurance is the most comprehensive household contents insurance you can choose. With this coverage, all types of damage to your household contents are insured. Please note that most insurers have exclusions, for example your cell phone. Always check the policy conditions of the insurer before taking out insurance.

Convinced of the usefulness of home contents insurance for students? Then quickly calculate your premium! Then you can immediately see what insurance would cost you and what coverage best suits your situation.

Is my household contents insured if I live in a dorm?

You are not automatically insured when you move into a student house. It is important to check whether the landlord has taken out insurance for the student house. It is also possible that the main tenant in the dorm has taken out contents insurance for everyone. However, these are quite rare cases these days. To be on the safe side, always check if this is the case. Is this not the case? Then you would be wise to take out your own contents insurance. Do check the insurer's terms and conditions. You may always have to lock your room door when you leave.

Purchase contents insurance as a student at inboedelverzekering.nl

Are you considering taking out household contents insurance as a student? Then get it now through inboedelverzekering.nl! We have the right coverages for your situation. Always at the most competitive premiums. Do you have any doubts or questions about our household insurance for students? Feel free to contact our customer service. They are happy to answer all your questions.