Insurance student house To compare
Your student house is well insured as a landlord. Specialist in room rental to students. We find a solution where others drop out due to increased risk.
🎓 Premium indication 2025
Reporting obligation: Room rental for students Always report!
Do you rent rooms to students? Report this to your insurer. Room rental is seen as an increased risk. Many regular home insurance policies do not cover student rentals. If you do not report this and damage occurs, the insurer may refuse to pay out. We find an insurance policy that does accept student houses.
We Insure All Student Housing
From small landlady house to large student complex. All forms of room rental.
student house
House with room rental
Student flat
Multiple student rooms
Landlady House
Living with the landlord
Student complex
Large student building
Independent Studios
Own facilities
Converted House
Converted into rooms
Student campus
University housing
International Students
Foreign students
Why Increased Risk?
🔥 More Fire Risk
Many electronic devices (laptops, telephones), cooking in multiple rooms, short circuits due to overloaded power strips. Students are often inexperienced with cooking.
💧 More intensive use
Multiple residents means more intensive use of sanitary facilities and kitchen. More chance of water damage and leaks due to frequent use.
🔄 Wisselende Bewoners
Many students move every year. Less bond with the building, less concern for maintenance. Control by the landlord is more difficult.
🔓 Burglary risk
Students have expensive electronics (laptops, phones). Often no one is home on weekends and holidays. Attractive target for burglars.
🏠 Less Supervision
The landlord often does not live in the building. Less direct control over use and maintenance. Defects will be reported later.
🎉 Parties & Events
Student houses are known for parties. Greater risk of damage due to crowds, smoking and carelessness during parties.
Fire safety requirements for student houses
📋 Legally Required (Building Decree)
- ✓ Smoke detector in every room (NEN 2555)
- ✓ Smoke detectors in corridors and stairwell
- ✓ Smoke detectors linked together
- ✓ Fire extinguisher in communal kitchen
- ✓ Fire extinguisher on every floor
- ✓ Doors in escape route can be opened quickly
💡 Insurers Can Demand
- ✓ Annual check of smoke detectors
- ✓ Inspection of extinguishing agents (annual)
- ✓ Carbon monoxide detector at central heating boiler
- ✓ Slot op elke kamer
- ✓ Vluchtplan ophangen
- ✓ Emergency lighting in corridors
What does Student Housing Insurance cover?
Extensive coverage for your student house. Including increased risks due to student housing.
Fire & Explosion
Fire due to cooking, short circuit, electronics. Also smoke damage and fire extinguishing damage. Essential for student houses.
Water damage
Leaks due to intensive use of sanitary facilities, burst pipes, precipitation. Often caused by student use.
Storm & Hail
Damage to roof, facades and windows due to storms. Hail damage to the roof and window frames is also insured.
Burglary & Vandalism
Damage from burglars. Theft by residents is NOT covered. External burglary yes.
Glass breakage
Windows and glass doors. Handy for student houses with many windows. Separate glass insurance possible.
Loss of rent
Lost rental income if rooms are uninhabitable due to damage. Up to 12 months loss of rent.
How much does student housing insurance cost?
Indicative premiums 2025. Premium higher than regular rental due to increased risk. Depending on location, number of rooms and reconstruction value.
Small Student House
3-4 rooms, rebuild up to €300K
Medium-sized student house
5-8 rooms, rebuild €300K-€500K
Large Student Complex
9+ rooms, rebuild €500K+
Why Choose Us?
Student Specialist
We know the specific risks of student housing and find solutions where others give up.
Fire safety advice
We advise on the correct fire safety measures that meet the Building Decree and insurer requirements.
Reporting obligation Help
We help you report room rentals correctly so that you remain insured in the event of damage.
Competitive Premiums
Despite increased risk, we find competitive premiums by comparing 30+ insurers.
Underinsurance Guarantee
With a validated valuation: full damage is reimbursed, even if construction costs have increased.
Fast Claims Settlement
We are ready to help you in the event of damage. Advance payment for quick repair.
100% Independent
We advise in your interest, not that of the insurer.
Student cities Knowledge
We know the local rules and risks in all major student cities.
Frequently Asked Questions
Insuring student housing?
Specialist in student housing. Increased risk covered. Request a quote without obligation.
