Manuel Ravier, student housing expert · Published on September 16, 2026

The quick answer

Home insurance is a formality that must be handled before moving into student housing. Whether for a CROUS room, a studio, an apartment, or a shared rental, you must check the required coverage and obtain your proof of insurance before receiving the keys. The cost depends on factors such as the property size, location, and the chosen coverage options.

Key takeaways

Home insurance is mandatory for tenants of properties subject to the Law of July 6, 1989. The landlord may request proof of insurance when handing over the keys and annually thereafter. Source: Légifrance.

"Rental risk" coverage (covering damage to the property caused by fire, explosion, or water damage) constitutes the mandatory minimum.

Civil liability coverage complements this protection but should not be confused with rental risk coverage. Therefore, school or university insurance alone does not automatically replace home insurance.

Premiums vary depending on the accommodation. According to internal data provided by residenceetudiante.fr, the average premium observed in 2026 ranges from €5.80 per occupant in a shared rental to €14.10 for a one-bedroom apartment (T2).

Proof of insurance should be prepared before the move-in inspection. Purchasing a policy online often allows for quick receipt of the document, depending on the insurer and the chosen plan.

About the author

Manuel Ravier is a real estate investment expert. With a successful track record spanning over a decade, he has become a leading figure among recognized real estate investors and coaches in France.

Is student home insurance really mandatory?

Yes, when a student rents accommodation subject to the mandatory rental risk insurance requirement. Article 7 of the Act of 6 July 1989 requires the tenant to take out insurance against risks for which they are liable and to provide proof of such insurance upon the handing over of the keys. Légifrance – Act of 6 July 1989

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