Compare building insurance for student housing

Building insurance for a student house is a specialized insurance policy that protects the property against damage caused by fire, storm, water damage and vandalism. This insurance is specially tailored to the risks of renting to students and offers coverage that standard home insurance often does not provide. It covers all fixed parts of the building such as walls, roof, floors, sanitary facilities and fixed installations.

Student houses are used more intensively than normal homes, which increases the risk of damage. A lot of exercise, parties, cooking and intensive use of sanitary facilities increase the risks of water damage, fire and vandalism. Standard home insurance policies often exclude rentals or provide limited coverage. A special buildings insurance for student houses explicitly covers damage caused by rental and intensive use, so that you as a landlord are fully protected.

The insurance covers damage to the building and fixed parts due to fire, lightning strike, storm, water damage due to leaks, vandalism, burglary and explosion. Repair costs to structural parts such as walls, roof, floors, stairs and fixed installations are also covered. Additional coverage is possible for glass, solar panels, garden houses and liability as a landlord. Please note: damage to household contents and loose items belonging to students is not covered by the buildings insurance.

The costs start from approximately €19 per month (approximately €230 per year) and depend on factors such as the rebuilding value of the building, the number of rooms and students, the location, the year of construction, the state of maintenance and the chosen coverage. A larger student house with more rooms and a higher reconstruction value costs more. We compare all insurers for free to find the best value for money for you.

No, most standard home insurance policies explicitly exclude rentals or do not provide full coverage for rentals to students. If you do not report that the property is rented, you risk claims being rejected. It is essential to always report rentals to your insurer and to choose insurance that explicitly covers room rental and student rental. We ensure that your insurance fully covers this.

This insurance is suitable for private landlords who rent out rooms to students, property owners with multiple student properties, professional landlords and managers of student housing, parents who buy a home for their student child and rent out extra rooms, and investors in student housing. Both for shared occupancy (room rental) and for full rental of the building to a group of students.

Building insurance covers damage to structural parts of the building, even if caused by students. This includes, for example, water damage from a flooded bath or fire damage from a kitchen fire. Additional inventory insurance is required for damage to contents or inventory (furniture, appliances). Serious intentional damage may be recoverable from the perpetrator, but the insurance will pay out first so that you can recover quickly.

You will receive a tailor-made quote without obligation within 24 hours. We will contact you personally to discuss your situation and then compare all insurers that have experience with student rentals. We advise you on the best coverage for your specific situation at the best price. You can request a quote directly online or contact us by telephone.

Yes, glass damage is considerably more common in student houses than in regular homes. Think of broken windows due to sports activities, parties or accidents. Glass insurance covers the repair or replacement of windows, mirrors, glass doors and other glass parts without a deductible. This is a relatively cheap additional cover that we highly recommend for student houses to prevent unexpected costs.

Yes, it is legally required to report rentals to your insurer. This is also called the obligation to notify. Concealment of rental is seen as concealment of relevant information and can lead to rejection of claims and dissolution of the insurance. Therefore, always choose insurance that explicitly covers rental to students and report this correctly. We ensure that your situation is clearly stated in the policy.

Building insurance covers damage to the building itself (walls, roof, floors, fixed installations). Landlord insurance is liability insurance that protects you as a landlord against claims from tenants or third parties, for example in the event of accidents or defects in the property. For optimal protection, we often recommend a combination of both: building insurance for the building and liability insurance for your role as landlord.

The reconstruction value is the amount needed to completely rebuild your property in the event of a total loss. This is not the market value or WOZ value! You can calculate the reconstruction value via online calculators or have it appraised by an expert. Insuring too little leads to undercoverage and insuring too much leads to unnecessarily high premiums. We are happy to help you determine the correct reconstruction value for your student house.