15 days before return academicmaybe you are one of the lucky ones who have reached find accommodation for renta research that is the course of the obstacle. Future student in business school in the Paris region, Thé has just seen his file accepted for a Studette of 14 square meters, with a rent of… 800 euros per month. “It is not even in intramural Paris but I have no right to complain, I have friends who continue to struggle to stay»»sighs the young man. Alas for him, the cost of his studio is not limited to rent: he now needs housing.
“L’Home insurance is a legal obligation For any tenant, for private accommodation as for a room in a university residenceRecalls Arthur Martiano, Managing Director of the lelynx.fr insurance comparator. Even in a shared room, each of the roommates must have home insurance. ” The catch is that with the increase in the number of claims, particularly theft, vandalism and climatic events such as floods, the cost of home insurance continues to climb. The average premium for the home insurance for student accommodation rose to 62 euros per year in 2024an increase of 7% compared to 2023, according to lelynx.fr, which observed an increase of 8% in 2025.
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Insurance not given for already tight budgets
Gold number of students “Have a fairly limited budget”underlines Arthur Martiano. This is evidenced by their first criterion for choosing home insurance: “The price”notes the manager. This is why 83% of students seeking home insurance via lelynx.fr choose to make a minimumthat is to say against the risk of fire, the risk of water damage and frost, and the risk of explosion, three compulsory guarantees for any tenant.
However, it would be judicious, for students, to ensure against complementary risks. Starting with the risk of damage caused to third parties, but also against failure, breakage and Theft of their smartphones and laptopss. Without forgetting a coverage against all these risks during stays of several months abroad, as part of the Erasmus program for example.
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Compare, terminate, pay smart
For the home insurance invoice to fly away, Arthur Martiano delivers three tips. First, go around the offers of insurers even if it may seem tedious and time -cons: “Prices may vary from simple to double from one insurer to the other because everyone has their own risk model ”explains the managing director of lelynx.fr. And certain insurances include deductibles (cost of the claim remaining the responsibility of the insured) higher than necessary: “500 euros franchise is a lot for a 30 -square meter student accommodation …”estimates Arthur Martiano.
Then, know that a year after the subscription of your home insurance, you can change it at any timethanks to the Hamon law. And, “In most cases, your new insurer takes care of termination procedures”indicates Arthur Martiano. Finally, the manager recommends you to settle your home insurance with a single blow, rather than by monthly payments: “The annual cost is lower than the monthly cost.”
