How to choose your housing insurance for students

Among all the administrative tasks moving in requires, housing insurance should be one of your top priorities. By now, you have hopefully found your dream apartment. However without any sort of housing insurance, the odds that a landlord will let you rent a flat are extremely. What exactly is housing insurance? Which ones are cheapest? All these answers and more can be found in this article:

1 - What is housing insurance? 

According to Investopedia, “property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft, and to a person other than the owner or renter if that person is injured on the property”.

Damages are due to natural disasters (floods, earthquakes etc) or collateral damage (such as robberies). This is necessary for the owner or the renter to have a housing insurance: not having it is illegal.

2 - What students must know 

Some students choose to add their belongings onto their parent's policy, which can be straightforward. But it can also work out more expensive than being covered separately, so it pays to compare both options.

Remember that you will need your own contents policy if you live in a shared accommodation. Check also that the policy includes any bicycles or musical instruments so that you are insured during the holidays as well.

What are the cheapest options?

In order to facilitate the classification of French housing insurances from best to worst, insurance agencies have established a ranking according to best quality/price ratio. Among them, LeLynx stands out as the best comparator in France

Have you ever heard of this platform? LeLynx.fr is the first insurance comparator website that figures at the top of the search webpage. In less than 2 minutes, you are able to identify the perfect insurance company to turn to according to your housing situation. The different information they ask for are the following: 

- Your nature of your home (flat, house)

- The location of your home (first floor, last floor etc…)

- Whether you will be a renter or an owner, in house sharing or not 

- Your home seniority

- The city you are about to live in 

- Your current address

- Your future address

- Your future home total surface (square meters)

- The number of room

- Information about your profile (current situation, birthdate etc)

After filling out all that information, LeLynx analyzes the results and sends it to you via email. The website is totally free, very intuitive and easy to use. 

Disclaimer

Once you’ve submitted your email to LeLynx, the website will track you and send you lots of spam. Therefore, Simply advises to unsubscribe to LeLynx newsletter once you’ve chosen your perfect housing insurance via the website.

There you go, we hope this article has helped you. What’s YOUR housing insurance? Was it hard to find it and do you regret your choice? 

If you have any questions or suggestions, you can leave a comment down below.

Simply yours, 

Clemence