Manuel Ravier · Published on September 21, 2026

A student housing insurance certificate is a document signed by your insurer proving that your policy covers civil liability and rental risks. You can obtain it online in five minutes via email or through your customer portal. The document itself is free, though the policy generating it starts at €3.66 per month.

Key takeaways

• Requirement: The insurance certificate must be provided when keys are handed over and subsequently each year upon the landlord's request (Law of July 6, 1989, Article 7 g, Légifrance).
• Price: €1.38 to €6 per month for a room or studio, depending on the plan (MAE and StudyAssur as of August 2026; L'Étudiant, 2026).
• Penalty: After a one-month formal notice period, the landlord may take out insurance on your behalf, adding a surcharge of up to 10% (Decree of March 30, 2016).
• Flat-sharing: Each flatmate must be named on a joint policy (service-public.gouv.fr, fact sheet F21478).

• Who wrote this?

Manuel Ravier tracks Crous and private student residences in France—including application processes and rates—from the start of the academic year through to graduation. Every figure on this page includes a date and a source linked at the bottom of the article.

What is a student housing insurance certificate?

A student housing insurance certificate is a document issued by your insurer. It proves that your policy covers rental risks (fire, explosion, and water damage) as well as civil liability. The law requires this for all tenants, including those in Crous rooms. Landlords require it before handing over the keys.

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