Insure as a roommate

Complete guide

Mis à jour le 6 May 2026

When you are a student, you usually acquire your first home. And in most cases, it happens to be shared.

A new home implies new responsibilities… and essential first steps. Among them, home insurance is essential. Mandatory for all tenants, it is generally requested as soon as the owner hands over the keys.

When you are a student, being well insured not only allows you to meet a legal obligation, but above all to protect yourself in the event of a disaster (fire, water damage, theft, etc.) and to cover any damage you may cause to third parties.

Insurance and shared accommodation : how does it really work ?

When it comes to colocation insurance, there are two main options, each with its own advantages.

1. Provide housing in a grouped manner

If you want to provide your housing as a group, you need to provide these various elements:

The number of rooms
The floor
The informations of each roommate
- First name
- Last name
- Date of birth
- Gender

It is often the simplest and most economical solution :

A single contract for all the accommodation
All the roommates are listed on the contract
The price varies according to the number of pieces
Each roommate automatically benefits from civil liability.
In the event of a roommate’s departure, a simple update of the contract is sufficient (unless it concerns the main subscriber)

This formula is ideal to avoid duplicates, oversights and unpleasant surprises in the event of a claim.

2. Insure only his room in a shared apartment

Other possibility: each student only insures their room. To do so, you must fill in :

The number of rooms
The floor
And your personal information

This option may be suitable if the roommates do not wish to be bound by a common contract :

The contract covers the private area (room)
The common areas remain to be clearly defined.

However, this option requires more vigilance.

Insuring your apartment when you’re a student : the right questions to ask yourself

Before signing a home insurance contract, take the time to ask yourself the right questions:

Do I want an individual or collective contract ?
What is the value of my assets (computer, phone, bike…) ?
Is this offer suitable for my student life (like that of STUDCORP) ?

A well-chosen contract must be simple, clear and adapted to your lifestyle.

What a good student home insurance policy covers

Effective insurance is not just about ticking an administrative box. It really has to protect you on a daily basis.

At STUDCORP, home insurance coverage includes :

Civil liability : for damage caused to third parties
The fire
Water damage
Theft and vandalism
Climate events
Acts of terrorism
Technological disasters
The glass breakage

In conclusion : choose the best solution, choose STUDCORP !

No need to complicate things. With a student home insurance from €6.67 per month, you can benefit from the essential protections to live in your apartment in peace AND at the best price.

Adam, STUDCORP’s team.