Home insurance is essential in French real estate rental to ensure the protection of the property and its occupants. Without the insurance certificate, the landlord may refuse access to the accommodation! In this context, Studapart stands out by offering straightforward, transparent, and entirely online home insurance, aiming to simplify the subscription process for tenants.
What is home insurance? 🤔
Home insurance is an insurance contract designed to protect the property and occupants of a home against various risks and damages. This insurance provides financial coverage in case of incidents such as fires, water damage, theft, vandalism, natural disasters, etc.
What does Studapart's home insurance cover?
Studapart's home insurance covers all damages that could affect your property:
Fire
Water damage
Storm, hail, snow
Theft, vandalism
Broken glass
Attack
Natural disaster, technological disaster
It also includes:
Civil liability (neighbors and landlord): this coverage compensates your neighbors and third parties who are victims of damages for which you are responsible. Example: water damage or fire originating in your home causing damage to others.
Private sphere civil liability (household members): covers you, as well as members of your household or roommates, for material or bodily damages caused to others in the context of your private life, excluding the school environment. Example: breaking the glasses or laptop of one of your roommates.
💡 Note: our home insurance does not cover damages or incidents that occur in the school environment. If you want to add this dimension, you will need to add it separately in your "les assurés" space.
How to subscribe to Studapart's home insurance?
When you reserve your accommodation at Studapart, we automatically offer our home insurance, simple, transparent, and 100% online!
We wanted to simplify the subscription process: we already have the data related to the property. The deductible and movable capital aspects have been set by Studapart. The process is the simplest on the market. You have almost nothing to enter and can access insurance in a few steps.
Go to the home insurance page, via the top right menu or via messaging:
1. On the home insurance page:
You have all the explanatory information, and you can click on "Learn more."
The form on the right is already pre-filled with your information and that of your property.
You can click on "I insure myself" to create a quote and proceed to the next step before payment.
2. Fill in your details
You will then land on a page with a complete summary and a few questions:
Fill in the bank details field.
Check the box "I have read and agree..."
Click the "Purchase" button.
You are insured! You and your landlord will instantly receive the home insurance certificate PDF by email.
Frequently Asked Questions
Who can benefit from Studapart's home insurance?
All tenants who reserve their accommodation at Studapart, both students and young workers.
For what type of accommodation can I take Studapart's home insurance?
It is available for the following types of accommodation: room in a host's home, room in a residence, room in a shared apartment, entire apartment, house.
Does Studapart apply management fees?
Studapart applies a management fee of €15 for any home insurance subscribed. We distinguish between reservations of less than and more than 6 months. If less than 6 months, the €15 is diluted in the insurance premium, and you pay for the 6 months at once. If more than 6 months, the €15 is clearly stated, and you pay for 2 months + €15.
What is the deductible?
The deductible is €150, and the guaranteed movable capitals are €5,000 up to T3 (including) and €10,000 for any other surface.
What to do if two friends have reserved a room in the same apartment?
If you have made two separate reservations - one per account - each person must subscribe to Studapart's home insurance. Each insurance will cover the portion you occupy in the apartment.
How does it work in shared housing?
Two choices are possible in this situation:
If the accommodation is reserved entirely, then the person who made the reservation must subscribe to home insurance.
If the reservation concerns a room in shared housing, then the person who reserved the room can subscribe to home insurance themselves.
What is the price of home insurance?
The price of home insurance varies depending on the characteristics of your accommodation. It generally ranges from €10 to €15 per month for a studio.
What are the clauses of home insurance?
Home insurance includes rules that specify the cases in which you will be covered and to what extent. These clauses are crucial, and it is essential to know them. Here are the elements to determine:
The movable and immovable properties covered: premises, fences and walls, garage, real estate developments...
The types of risks covered: fire, explosion, water damage, theft, vandalism, natural disasters...
What is not covered
The amount of the insured capital: you choose the items you want and their value, and the insurance price is deducted from it.
The limit of guarantees: the maximum amount you can receive in case of compensation.
The deductible: the amount that remains your responsibility in compensation is not total. The more expensive the insurance, the lower this deductible.
How to report a claim?
If you face an incident during your rental period, you must report it to your insurer so that the compensation process can be implemented. To do this, contact the insurer by providing as much information as possible about the incident. Photos are, of course, welcome.
How to cancel home insurance and switch?
It is not possible to cancel home insurance less than a year after contracting it.
Once this one-year period has passed, you can change home insurance. To do this, you must cancel the contract you want to abandon. The cancellation procedures depend on your insurance, and the process is free.
It is important to note that in case of cancellation, you can be reimbursed for the unused prorated amount.