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Student Home Insurance

from 20,95 € /year


  • 4.8/5: The top choice for international students!

  • 100 % online

  • No documents required

  • No automatic renewal

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Our advantages

Best Price

We are committed to offering you insurance that fits your budget.

Immediate Coverage

No waiting, your home is covered as soon as your payment is confirmed.

Certificate in 5 min!

Fast and easy, you’ll get your insurance certificate instantly by email.

Your quote in 1 minute!

Our housing insurance offers

Are you moving into a new home, alone or with roommates, and looking for the best student or young graduate housing insurance at the best price? You’re in the right place!


ADH Assurances Étudiants offers three coverage plans with optional add-ons to fit all your needs. Our offer automatically includes, at no extra cost, repetition indemnity for students, personal accident coverage for young graduates, and legal protection.


Liability insurance (private life and internship) is included in the Comfort and Serenity plans.


With ADH Assurances, no excess applies to the main coverages, including Civil Liability if the option is selected. Reduced excesses apply only in cases of theft, glass breakage, IT equipment coverage, and natural disasters.

Essential
plan starting at 20,95 € /year
Furniture coverage up to €3,500 per item
Fire
Water damage
Retake indemnity (student)
Personal accident coverage
Liability insurance
Psychological assistance
Social support
Glass breakage
Theft
Get insured
Comfort
plan starting at 28,53 € /year
Furniture coverage up to €3,500 per item
Fire
Water damage
Retake indemnity (student)
Personal accident coverage
Liability insurance
Psychological assistance
Social support
Glass breakage
Theft
Get insured
Serenity
plan starting at 50,63 € /year
Furniture coverage up to €3,500 per item
Fire
Water damage
Retake indemnity (student)
Personal accident coverage
Liability insurance
Psychological assistance
Social support
Glass breakage
Theft
Get insured

How to get your home insurance in under 5 minutes?

  1. 1
    Define your needs Answer a few questions in just 1 minute to find the right plan for your needs.
  2. 2
    Create your account Sign in within seconds to save and finalize your home insurance.
  3. 3
    Review your application Double-check your information and complete the final details of your future home insurance policy.
  4. 4
    Pay and receive your certificate Pay securely and receive your insurance certificate by email instantly.
Our guarantees
Essential plan
Comfort Plan
Serenity Plan

Student Reviews

4.8/5

Avis Vérifiés

"Le service client est très rapide et je conseille tous les étudiants de souscrire au sein de cet ass"

Review from 05/08/2026, following an experience of 05/08/2026 with Theresia N.

"Je recommande :)"

Review from 05/08/2026, following an experience of 05/08/2026 with A C.

"très bien , efficace"

Review from 05/08/2026, following an experience of 30/07/2026 with randy v.

"tre bien"

Review from 05/08/2026, following an experience of 05/08/2026 with Mazia S.

See all 8737 reviews

Why do you need student housing insurance?

student housing insurance

You are a student or recent graduate about to move into a new home in France?

Home insurance is mandatory if you are renting a CROUS room, university accommodation, a studio, an apartment, or a house, furnished or not. You will need to provide proof of this insurance when signing the lease and receiving the keys.


Your landlord has the right to request an insurance certificate from you every year. Therefore, your contract must be renewed by August 31st at the latest. Failure to renew may result in the termination of your lease.


To cover your responsibilities towards the landlord, you must take out student home insurance covering rental risks such as fire, explosion, and water damage. However, this insurance does not cover damage to neighbors or third parties (except for fire and water damage), damage to your personal property, or your civil liability for "private life."


We therefore recommend adding civil liability coverage, theft, vandalism, glass breakage, and office equipment extension to your policy. These options are available directly within the insurance packages or as add-ons when you subscribe online.

Questions? We’ve got you covered!

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Frequently Asked Questions: Student Renters Insurance

    Do I need a French bank account to subscribe?
    No, you do not need a French bank account to get your renters insurance. You can easily pay your premium online using any standard international credit card. This allows you to secure your mandatory housing insurance from abroad before you even arrive in France.

    Are the contract and customer support available in English?
    While the legally binding contract must be in French according to local laws, our online subscription process is highly intuitive. Most importantly, our dedicated customer support team is ready to assist you in English, providing a reassuring and seamless experience for all international students.

    What documents do I need to get my certificate of insurance?
    You do not need to upload any documents during the online subscription! The process is fast and 100% paperless, and you will instantly receive your certificate by email. Please note: valid proof of your student status (like a student ID) may be requested later if you file a claim.

    Does my renters insurance include civil liability for studies and internships?
    Yes! If you choose our Comfort or Serenity plans, comprehensive Civil Liability is included. This covers you for:
    • Private life incidents.
    • School and university enrollment requirements.
    • Mandatory company internships. This ensures you easily meet all French academic and professional requirements.

    Are there any hidden fees or a deductible in case of a claim?
    Assurances Etudiant by ADH is committed to total transparency for international students. There are no hidden fees, and our student plans start at an affordable €20.95 per year. Any standard deductibles applied in case of a claim are clearly displayed when you compare and select your coverage plan online.

    How do I file a claim, and will I get support in English?
    You can easily file a claim 24/7 directly through your online customer area. If you face an incident like water damage or theft, our customer support team is available to help you navigate the process in English, ensuring your claim is handled quickly and without stress.

    Is renters insurance mandatory in France?
    Yes, renters insurance is legally mandatory in France for all tenants. You must provide a valid certificate of insurance to your landlord before getting your keys. This applies to all types of accommodation, including private apartments, CROUS university rooms, and shared flats. Without it, your landlord can refuse to rent you the place or cancel your lease.

    When will I receive my certificate of insurance?

    You will receive your certificate of insurance immediately by email as soon as your online payment is confirmed. This means you can provide the required proof to your landlord or CROUS residence without delay. You can also download it anytime 24/7 directly from your online customer area.

    What is comprehensive renters insurance (MRH) in France?
    Comprehensive renters insurance, known as Multirisque Habitation (MRH) in France, is a mandatory policy that protects your home and personal belongings. It systematically covers risks such as:
    • Fire and explosions
    • Water damage
    • Climatic events and natural disasters
    • Legal protection 
    You can also add optional guarantees like civil liability, theft, or computer equipment protection based on your specific needs.

    Can I purchase my renters insurance online from abroad?
    Yes, you can easily purchase your renters insurance online from anywhere in the world before arriving in France. Our 100% digital platform allows you to get a free quote, compare plans, and subscribe in just a few minutes. You will receive your mandatory insurance certificate instantly by email, ensuring a smooth move-in process.

    Can I subscribe with a foreign passport and without a French guarantor?

    Absolutely. As an international student or young professional, you can subscribe using your foreign passport or ID. You do not need a French guarantor to get housing insurance with ADH. To be eligible, you simply need to reside in metropolitan France and provide valid proof of your student or recent graduate status (such as a school certificate).

    Can I easily cancel my policy if I leave France?

    Yes, our policies are designed with students in mind and offer complete peace of mind. You have two simple situations regarding cancellation:
    • 14-Day Cooling-Off Period: If you change your mind right after subscribing, you benefit from a legal 14-day withdrawal period. You can easily cancel your policy within this timeframe without any penalty.
    • Automatic End of Contract: Your ADH insurance contract ends automatically on August 31st of the current academic year. There is no automatic renewal! You do not have to worry about complicated cancellation procedures or unexpected fees when you leave France or return to your home country.

    I live in a shared flat: how do I insure myself and my roommates?
    The process depends on your rental agreement. If you have an individual lease, you only need to insure your specific room and the common living areas. If you share a joint lease, you must insure the entire apartment and declare all your roommates on the same policy. With ADH, you can easily add up to 5 students or young professionals roommates. Important: For a joint lease, absolutely all roommates must be students or recent graduates to be eligible.

    Is ADH insurance affordable for student budgets?
    Yes, we understand that international students are on a tight budget. ADH Assurances offers highly competitive rates tailored specifically for students and recent graduates. Our comprehensive renters insurance plans start at just €20.95 per year. This provides you with top-tier coverage at one of the best price-to-quality ratios in the French market.

    What are the benefits of Assurances Etudiants by ADH for international students?
    ADH is the leader in French student housing insurance, offering key advantages for expats:
    • A 100% digital process from subscription to claim filing.
    • Immediate delivery of your mandatory insurance certificate by email.
    • Affordable pricing starting at €20.95 per year.
    • Contracts with no automatic renewal to avoid surprise fees. We make securing your French accommodation fast, transparent, and hassle-free.

    I am moving to another place in France, how can I update my address?
    If you are moving to a new apartment within France, updating your policy is quick and easy. Depending on your moving timeline, here is what you need to do:
    • Direct Move (No overlapping dates): You do not need to purchase a new policy. Simply log in to your online customer area, click on “Other Actions”, and update your address. Your coverage will automatically transfer to your new home, and you can instantly download your updated certificate of insurance for your new landlord.
    • Overlapping Leases (Keeping both apartments temporarily): Important: Once you update your address on your current policy, your previous apartment will no longer be covered in the event of a claim. If you are renting both places at the same time, you must purchase a new, separate contract for your new accommodation to ensure both are fully protected.

    Is ADH insurance eligible for ERASMUS students?
    Yes, ERASMUS and all international exchange students are fully eligible for our housing insurance. To subscribe, you simply need to reside in metropolitan France during your stay and provide a valid student ID or university enrollment certificate. Our flexible, no-auto-renewal contracts perfectly match the duration of your academic exchange.

    Is home insurance eligible for students living in CROUS?
    Absolutely. Our student housing insurance is fully compatible with CROUS requirements. Whether you are renting a standard university room, a studio, or an apartment within a CROUS residence, our policies provide the mandatory coverage you need. You will instantly get the exact certificate of insurance requested by the CROUS administration.

    Can I choose the effective date of my contract?
    During your online subscription, you cannot pick a custom date, but you have two convenient options. You can select "Today" for your coverage and certificate to take effect immediately, which is ideal if you are moving in right away. Alternatively, you can select "In 14 days" if your move-in date is later and you want to wait until the legal withdrawal period ends.

    How do I pay for my contract?
    You can pay your student housing insurance premium securely online using a credit card, a debit card or Apple Pay. The payment is made in full during the final step of your online subscription. We accept international bank cards, meaning you do not need to have a French bank account set up beforehand to complete your purchase.

    I lost my insurance certificate. What should I do?
    Don't worry! Your insurance certificate is permanently saved on our platform. You can retrieve and download it 24/7 by logging into your online customer area. Alternatively, you can search your email inbox, as we automatically send a digital copy to your registered email address the moment you complete your subscription.
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