Student home contents insurance: what should you consider when taking out?
When you move into a room you have a lot to take care of. For example, you have to move all your belongings from your parental home to your new room. These things were insured against damage in your parental home, but in your new room they are not. You then have to buy new insurance for your new address. There are a number of things to look out for when you want to take out a new contents insurance policy for the student house you live in.
What does contents insurance cover?
Contents insurance covers all items that are movable. This is also called movable property. Moveable items include your bed, closet, couch and mirror, for example. There are different coverages within the contents insurance. The type of coverage determines the amount you are insured for. It is useful to estimate the value of all your real estate. Property insurance estimates the value of your belongings at their new-for-old value.
What benefits do you get with student home contents insurance?
Contents insurance ensures that all your valuables are insured against damage and theft. Advantageously, your belongings are also insured against damage inflicted by others plus against fire or water damage. Contents insurance often consists of 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.
For a higher premium, you can also make sure that damage caused by yourself is covered. This damage is usually not included in a standard home contents insurance. So for that you need to take out comprehensive contents insurance.
It can give peace of mind to know that your belongings are properly insured. In a dorm, it is common for things to be accidentally broken. However, it is important to know that the insurer may require that each roommate take out insurance for their own rented room. So make sure your belongings are not roaming all over the dorm.
Taking out household contents insurance? Calculate your premium!
How is the premium for contents insurance calculated?
The premium is affected by a number of factors. One factor is where you live. In Amsterdam or Utrecht, the chance of burglary is higher than in Drenthe, for example. Coverage also affects the premium. Comprehensive coverage also means a higher premium. Fortunately, most insurers have a special student rate! So the calculation of the premium depends on several factors:
- What coverage do you want;
- Where do you live;
- How high is your deductible?
- Maximum insured amount.
Once you have estimated the value of your belongings you can choose a maximum insured amount. As mentioned, special discounts apply to students. Contents insurance for a student house starts from €2 and runs on average to a maximum of €10 per month.
Taking out student home contents insurance with Alpina?
Are you looking at options for buying home contents insurance for a dorm? We at Alpina can help you with that! At Alpina, you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us.
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 today until 6 p.m.