Student housing insurance: protect your home as soon as you move in

Yes, home insurance is mandatory for all tenants, including students. In order to sign your lease and move into your student accommodation, you must provide proof of home insurance. Your landlord or lessor will always ask for this before handing over the keys.

This insurance proves that you are covered in the event of rental risks: for example, if water damage or fire damages your home or affects your neighbors’ homes.

Tenant liability and personal liability are two different things.

Tenant liability insurance covers you in the event of accidental damage to your home. It also covers you if this damage causes damage to your neighbors’ property. For example, if your washing machine floods your apartment and causes a leak in your downstairs neighbor’s apartment, tenant liability insurance will cover the cost.

Personal liability, on the other hand, covers bodily injury or property damage that you may accidentally cause to others. For example, if you accidentally break someone’s phone, personal liability will cover the damage caused.

In summary: rental liability = your apartment and the neighborhood, personal liability = other people in your daily life.

Before choosing your shared home insurance, always check that all coverages also apply to your roommates. You don’t want to be the only one protected!

With Smerra x Leocare home insurance, there are no surprises: your roommates are automatically covered, free of charge, with no additional fees.

The price of your student home insurance varies depending on the type of accommodation you live in.
For a room in a university residence, Smerra insures you from €3.53 per month (or €38.18 per year).
If you opt for a room in a private home, the premium is €5.42 per month (or €58.59per year).
A studio or one-bedroom apartment is covered from €7.11 per month, or €76.84 per year.
And if you live in a more spacious home (up to a four-bedroom apartment), Smerra also adapts its coverage so that you remain protected, whatever your apartment.
It’s up to you to choose the most convenient option: monthly payment (to spread your budget) or annual payment (for peace of mind all year round).

Are you moving to a smaller or larger home? Don’t worry: your Smerra home insurance will adapt! Simply report your change of address in your personal account via the Leocare app and your coverage will follow you to your new home.

Want to leave your home and cancel your contract? No problem, there are several options available to you:

• At the annual renewal date (Article L113-12 of the French Insurance Code): you can request the cancellation of your contract by sending us your request no later than two months before the main renewal date.
• After one year of the contract (Article L113-15-2 of the Insurance Code): you can cancel at any time, without fees or penalties. The cancellation takes effect one month after receipt of your request, either directly by your new insurer (if you change insurance companies) or by yourself.