Insure as a roommate
To insure in shared accommodation : the complete guide. Home insurance, group or individual contract, obligations and practical advice.
6 May 2026
In France, home insurance is mandatory for all renters. But beyond this requirement, it also protects you from everyday unexpected events: water damage, fire, theft, or broken windows. As a student, these situations can quickly drive up your expenses.
That’s why we’ve created an affordable, comprehensive student home insurance plan tailored to your daily life. Whether you’re a French student or an international student in France, whether you live alone or in a shared apartment, your home, your belongings, and your civil liability are protected.
With STUDCORP, you can sign up for insurance in just a few minutes, 100% online, and easily manage all your documents from your personal account. This way, you can move in with complete peace of mind and focus on what matters most: your studies.
You will be compensated for damage caused to third parties for which you are responsible.
You are covered against fire, explosion, smoke and lightning in your home.
You are insured against damage to the interior of buildings caused by leaks, seepage, burst pipes, even in the event of frost.
In the event of theft (up to a limit of …€) we cover the replacement of locks, damage to property and acts of vandalism committed at home.
In case of material damage due to the intensity of a natural agent, you will be insured for pecuniary compensation after publication in the official journal.
Property damage and consequential damage suffered on national territory caused by an attack or act of terrorism.
You are covered for material damage resulting from a technological disaster after publication in the official journal.
We cover glass breakage on windows and conservatories.
In just a few clicks, you sign up online, pay securely, and instantly receive your certificate.
As an independent broker, we select the best offers at the best prices for you, with no hidden fees and no unnecessary coverage.
Got a question? Facing an issue? Our team is available 24/7 via WhatsApp, phone, email, or our chatbot. You’re never alone.
Over 50 schools and universities already trust us to protect their students. Why not you?
Unlike in many countries, home insurance is compulsory for almost every tenant in France. Before handing over the keys, landlords, student residences and CROUS accommodation generally require an insurance certificate proving that your accommodation is covered. Without this document, you may not be able to move into your apartment. Beyond the legal obligation, home insurance protects you against unexpected events that could otherwise become financially overwhelming. A water leak affecting your neighbours, an accidental fire, a broken window or a burglary can result in significant repair costs for which you may be held responsible. Student Home Insurance gives you the protection you need throughout your stay in France while ensuring you comply with French rental regulations.
This student insurance is designed for all students renting accommodation in France, whether you live in a private apartment, a shared flat, or a CROUS residence. It is suitable for French students, international students coming to France, exchange students, Erasmus students, apprentices, and anyone staying for one semester or several academic years. Whether you’re looking for affordable student renters insurance, online student renters insurance, or coverage for shared accommodation, this policy meets the legal insurance requirements for tenants in France while protecting your home and personal belongings at an affordable price.
To be eligible to STUDCORP home insurance, your accommodation must be located in mainland France, you must be a student, and you need to have a valid bank card to pay your premium.
We recently updated the subscription process for home insurance. If you’re having trouble subscribing, watch the video for guidance!
To update your payment method, please contact us directly at : contact@studcorp.com
Our contract doesn’t require you to provide your housing number. However, if your landlord requests it, we can add it for you.
In that case, please contact us directly at : contact@studcorp.com
You can’t change the address on your current contract.
You’ll need to cancel your existing contract and subscribe to a new one with your new address, directly from your personal space.
To modify your dates, please email us at : contact@studcorp.com
Go to your personal space by clicking on “My account” and logging in with your username and password. Then, go to the “Claims” section and click on “Report a claim.”
You must report any damage within 5 days.
For theft claims: report the incident within 2 days and file a police report within 24 hours with the local authorities.
For water damage: you must provide the joint water damage report (“constat amiable de dégâts des eaux”).
To ensure proper handling of your claim, it’s important to provide the necessary documents depending on the nature of your claim.
For home insurance, the joint water damage report is the only essential document required in the event of water damage.
If your contract is less than 12 months old and you still live in the accommodation, you cannot cancel your contract before the end of the first 12 months.
If your contract is more than 12 months old and you still live in the accommodation, please send us a written cancellation request, a two-month notice period will apply.
If you have moved out, simply send us your move-out inspection report (“état des lieux de sortie”). In this case, we will cancel your contract as of your official move-out date.
For refunds following the cancellation of your home insurance contract, the date on your move-out inspection report (“état des lieux de sortie”) will be taken as reference.
If you have already moved out but forgot to inform us, only up to two months of premiums can be refunded.
To insure in shared accommodation : the complete guide. Home insurance, group or individual contract, obligations and practical advice.
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