Home contents insurance for students: what should you bear in mind when taking out insurance?
When you move into a room, you have to arrange a lot. For example, you have to move all your belongings from your parental home to your new room. In your parents' house, these things were insured against damage, but that is not the case in your new room. You then have to take out new insurance for your new address. There are a number of things you need to bear in mind when taking out new home contents insurance for the student house you live in.
What does household contents insurance cover?
A household contents insurance covers all items that can be moved. This is also called moveable property. Movable items include for example your bed, closet, sofa and mirror. There are different types of cover within household contents insurance. The type of coverage determines how much you are insured for. It is useful to make an estimation of the value of all your immovable goods. A household contents insurance estimates the value of your belongings at the new value.
What advantages do you get with a student house contents insurance?
A contents insurance ensures that all your valuables are insured against damage and theft. Another advantage is that your belongings are insured against damage caused by others, as well as against fire or water damage. A contents insurance often consists of the following items:
- Fire, extinguishing and smoke damage;
- Burglary, theft and vandalism;
- Rain, hail, snow and storm;
- Falling trees and cranes;
- Water damage, e.g. due to pipe breakage.
For a higher premium, you can also ensure that damage caused by yourself is compensated. This damage is usually not included in a standard home contents insurance. For this you need to take out comprehensive household insurance.
It can be reassuring to know that your belongings are properly insured. In a student house, it often happens that something accidentally breaks down. It is important to know, however, that the insurer can demand that each housemate takes out insurance for his/her own rented room. Make sure that your belongings are not left lying around everywhere in the student house.
How is the premium for a contents insurance calculated?
The premium is influenced by a number of factors. One factor is where you live. In Amsterdam or Utrecht, the chance of burglary is greater than in Drenthe, for example. The coverage also affects the premium. Comprehensive coverage also means a higher premium. Fortunately, most insurers have a special student rate! The calculation of the premium therefore depends on various factors:
- What coverage do you want?
- Where do you live?
- How high is your deductible?
- Maximum insured amount.
When you have estimated the value of your belongings, you can choose a maximum insured amount. As mentioned, special discounts apply for students. Content insurance for a student house starts from €2 and runs on average up to €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.
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