Taking out home insurance is mandatory for all rentals. This is a legal obligation of the tenant towards his landlord. Thus, this principle also applies to a student occupying a room at the CROUS (Regional Center for University and School Works). In fact, the social organization is technically the owner of the accommodation. You must therefore insure your university room.
CROUS special bedroom home insurance
THE CROUS has a wide variety of accommodation, from 9 m² student rooms to 25 m² studios. The type of accommodation offered will vary depending on your profile and the places available in the region. You can then obtain a small area with collective toilets or a fully equipped studio. In both cases, you will be required to insure your accommodation as a tenant.
Sometimes, the social organization can also offer a flatsharing to students. In this case, you will need to take out corresponding insurance with your roommates. However, insurers anticipated these different situations when designing the insurance. crous student home insurance. This type of contract is essentially used to protect university accommodation against rental risks.
CROUS special bedroom home insurance takes into account the particularities of this type of accommodation and future tenants. In detail, the insurer provides contracts adapted to the different surfaces and existing equipment. It also takes into consideration the financial constraints associated with candidates for these chambers. Therefore, the bonuses generally correspond to the means of the students.
What guarantees in my university accommodation?
The obligatory minimum consists of taking out a guarantee against rental risks. It covers university accommodation in the event of an explosion, fire and water damage. That said, this guarantee only protects the premises and does not compensate the lessor, in this case the CROUS. It also excludes coverage for damage caused to your personal belongings, your guests, your neighbors, etc.
In practice, it is better to choose additional guarantees corresponding to the incidents likely to occur in your situation. These risks can be linked to the neighborhood, the climate or your profile (frequent absence, visitors, neighbors, etc.). Depending on the insurer, you can take out various additional protections such as guarantees:
● Civil liability, which is often included in insurers’ basic contracts. It allows you to be compensated in the event of bodily injury or material damage caused to others;
● Natural disaster, to be compensated in the event of flood, storm, earthquake, etc. ;
● Theft and vandalism, in the event that university accommodation is broken into by criminals who then steal or damage your personal belongings;
● Glass breakage, covering accidents breaking your windows;
● Electrical damage, to protect the household appliances in your room (kettle, microwave oven, television, etc.);
● Loss of keys, in order to avoid paying the costs of intervention by a locksmith in this case;
● Legal assistance, to obtain support and various advice in the event of a dispute…
To benefit from optimal protection, it is generally recommended to opt for comprehensive home insurance for a CROUS room. This type of contract covers a myriad of risks for the accommodation, the occupant, visitors, the neighborhood, etc. This way, you will be able to study with complete peace of mind.
CROUS home insurance from SMENO
SMENO has provided a wide choice of offers to meet the needs of students in terms of home insurance. The insurer also aims to offer protection adapted to the budget of this population. Independently of the contract and the accommodation, SMENO’s CROUS home insurance thus includes the guarantees:
● Private life civil liability (for all damages);
● Building owner civil liability (for material and immaterial damage);
● Fall of aerial devices (buildings and costs);
● Water damage (covering deterioration, leak detection costs and related costs);
● Defense appeal;
● Broken glass (windows, bay windows, windows, glass openings, partitions, etc.);
● Fire (including personal furniture and embellishments);
● Explosions, lightning and electrical damage;
● Attacks (including immaterial damage).
You will necessarily benefit from these different covers as soon as you subscribe to the entry-level CROUS contract. On the other hand, you will need to move upmarket to be protected against less common risks. This is particularly the case with theft and vandalism. You will also be able to insure your digital devices and extend the movable capital covered in the event of a disaster. Simply choose these options when signing up for the contract. CROUS SMENO home insurance will cost you between €34 and €41 per year.
