Young Professional Home Insurance

from 20,95 € /year

4.8/5: Trusted by young professionals!

100 % online

No documents required

No automatic renewal

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.

Our housing insurance offers

Just finished your studies (within the last 3 years) and moving into a new place—on your own or with flatmates?
It’s time to take out home insurance that fits your new life as a young professional!

ADH Assurances offers a simple, comprehensive, and affordable policy with three levels of cover and optional extras to suit all your needs.

Our plans always include Personal Accident cover (designed for young professionals), Legal Protection, and Personal Liability insurance (included in the Comfort and Serenity plans). A smart way to start your working life with peace of mind.

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 (young professional)

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 (young professional)

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 (young professional)

Liability insurance

Psychological assistance

Social support

Glass breakage

Theft

Get insured

Our guarantees

Essential plan

Comfort Plan

Serenity Plan

Student Reviews

4.8/5

"la demande était facile à faire"

Review from 15/07/2026, following an experience of 15/07/2026 with Mohamed Taha B.

"Très bien, service simple efficace et rapide. Je recommande"

Review from 15/07/2026, following an experience of 15/07/2026 with Yanis B.

"Très bonne expérience"

Review from 15/07/2026, following an experience of 12/07/2026 with Estelle Marlone G.

"Tres bien"

Review from 15/07/2026, following an experience of 15/07/2026 with diaga d.

See all 8557 reviews

A comprehensive young professionals home insurance for all situations

Insurance conditions for the 2026/2027 academic year, valid from the subscription date until 31/08/2027.

This multi-risk home insurance is exclusively for young professionals who completed their studies within the last three calendar years.

This insurance is available for tenants only. In case of shared accommodation, the tenant(s) must also be students and/or young professionals.

The home insurance contract is established WITHOUT AUTOMATIC RENEWAL and must be renewed before September 1st each year.

The contract starts, depending on the option chosen, either immediately or 14 days after payment confirmation, and ends on 31/08 each year.

Home insurance is mandatory, even for free accommodation.

Failure to meet these conditions results in the cancellation of coverage and no refund of the premium.

There are no age limits for subscription.

Your home must be located in MAINLAND FRANCE (including Corsica), whether it's a studio, apartment, university residence, residential building, with a private individual, or in a boarding school, etc.

The theft guarantee is only applicable in the event of a break-in, violence, or threat. Burglaries involving one of these characteristics are covered within the limits of your contract.

Civil Liability covers damages caused to third parties in private life, school life, and internships. This is included only in the Comfort and Serenity plans.

Additional options can be added at any time.

Cash, jewelry, and valuables are excluded.

Claims can be reported directly online in your account by clicking on "Report a claim."

Coverage details

Read the general terms and conditions.

Fire + Water Damage (no deductible)
Tenant risks: no sum limit
Your personal belongings: €3500 per main room.
Main room = any room other than storage, hallway, kitchen under 30 m², WC, bathroom.
Relocation costs, expert fees.
Neighbor claims, etc.

Subscriber’s Civil Liability
Damages caused to third parties in private life (Articles 1382-1383-1384 of the Civil Code), school life, and internships.

Theft
Coverage €800 with a €70 deductible.

Glass Breakage
Coverage €250 with a €20 deductible.

Legal Protection
Legal protection for your rental property
Legal protection for your consumption
No deductible
Amicable intervention threshold: €0
Judicial intervention threshold: €1000
Coverage limit per dispute: €1000

Office Equipment Extension
Coverage limit €1300 (with a €70 deductible)
We cover accidental breakage of computers and their peripherals, under 8 years old, located in the insured premises.

Accident Coverage (for young professionals only)
Coverage limit €3000
Capital covered in case of Death and/or Total or Partial Permanent Disability due to an Accident.

Psychological Assistance and Social Support
Limited to two (2) sessions per year, with a maximum of ten (10) sessions per support.

Home Insurance: A Must-Have for Young Professionals

First job, new place? Don’t forget your home insurance!

Home insurance is mandatory if you’re renting a studio, apartment, or house—furnished or unfurnished. Whether you've just landed your first job or you're starting a new chapter, you’ll need to provide proof of insurance when signing your lease and collecting your keys.

Your landlord may also request this certificate annually, so it’s important to renew your policy before 31 August. Missing this deadline could result in your lease being terminated.

To comply with the law and cover your responsibilities as a tenant, you must take out home insurance that includes rental risk cover—protection against fire, explosions, and water damage.
However, this basic coverage does not include damage to your neighbours’ property (except in case of fire or water damage), nor does it protect your personal belongings or your personal liability in everyday life.

That’s why we recommend adding optional extras such as personal liability insurance, theft, glass breakage, or even computer equipment cover. These can all be selected easily during your online subscription

Questions? We’ve got you covered!

Frequently Asked Questions: Young Professional Renters Insurance

Who is eligible for the ADH young professional home insurance, and is there an age limit?

ADH young professional home insurance is designed for recent graduates starting working life, up to 3 years after graduation. There is no age limit to subscribe. That said, the coverage is especially well suited to tenants under 30 renting their first apartment in France. It is a practical renters insurance in France solution for young professionals, expats, and former international students signing a lease.

I just finished my studies. How can I maintain my insurance coverage now that I am employed?

To keep your coverage active, simply update your status in your customer account. Your policy will automatically switch to young professional home insurance while keeping your original coverage dates, up to August 31. This lets you stay protected as a tenant without any gap in coverage after moving from student status to employment.

How do I subscribe to the young professional home insurance after signing my first lease?

Subscribing is 100% online and takes about 2 minutes. After signing your lease, enter your apartment details and choose your coverage dates. You will then receive your insurance certificate by email right away, so you can send it to your landlord immediately. It is a fast and simple way to get renters insurance in France as a new tenant.

Do you offer a home insurance package specifically designed for young professionals?

Yes. Assuances Etudiants by ADH offers a young professional home insurance package built for first-time tenants in France. It includes core home coverage for common rental risks such as fire and water damage. Depending on your needs, you can also add options such as personal liability, theft, and glass breakage. It is designed to match the needs of young professionals renting their first home.

Does the young professional home insurance offer flexible contract durations if I move?

The policy runs on a fixed annual cycle, with coverage usually lasting until August 31. However, it remains flexible if you move before then. If your lease ends early, you can cancel or transfer the contract to your new apartment by sending your move-out inspection report. This helps tenants stay insured without hidden fees during a move.

Are my valuable electronics (computer, TV, etc.) covered against theft in my contract?

Coverage depends on the plan you choose. In the Serenity formula, theft coverage includes furniture and TVs, with a limit of €3,500 per insured room. For computers and related equipment, theft and accidental damage require the optional Office Equipment add-on, available with the Serenity formula. If you want fuller protection for electronics, this option is important for your renters insurance in France.

Is renters insurance legally mandatory for young professionals in France ?

In France, renters insurance is generally mandatory for tenants renting their main home, whether the apartment is unfurnished or furnished. At lease signing, the landlord usually asks for an insurance certificate covering basic rental risks such as fire and water damage. ADH young professional home insurance is designed to meet that requirement quickly and simply.

Can I purchase this insurance without a French bank account or a French permanent work contract (CDI)?

Yes. Based on your current ADH offer, you can subscribe without a French bank account and without a permanent French work contract. This makes the policy especially useful for expats, international tenants, and former students starting their first job in France. The goal is to make getting renters insurance in France simple, even during a transition period.

Are the insurance certificate and customer support available in English?

Yes, our customer support team can assist you in English to make your installation in France as smooth as possible. Please note that your official insurance certificate will be generated in French: this is standard procedure and exactly what your French landlord or real estate agency expects to see before handing over the keys.

Is this insurance certificate valid for the prefecture when changing my visa status from student to worker?

Yes, absolutely. In France, a valid home insurance certificate (less than 3 or 6 months old) is officially recognized by the prefecture and the ANEF as a primary proof of address (justificatif de domicile). You can confidently use the ADH certificate downloaded from your customer area to complete your visa change of status file or to open a French bank account.

Explore our FAQ

They talk about us!

Student Life & Insurance: Everything students need to know

Student Housing - 09 July 2026

Musical Instruments: Covered by Home Insurance?

For a student or a young professional passionate about music, an instrument represents much more than just an object: it is both an emotional and financial investment. Yet, few musicians truly know if their instrument is protected by their home insurance. In practice, everything depends on the contract and the chosen formula: some home insurance policies cover instruments as personal property, while others require enhanced guarantees or dedicate...

Student in class protected by student liability insurance in France

Student life - 02 July 2026

Student Third-Party Liability: The Practical Guide to Staying Fully Protected in 2026

Student Third-Party Liability: In Brief Check your coverage: You might already be covered under your parents’ home insurance policy. An absolute requirement: Most universities and schools require proof of coverage for administrative registration, internships, and study abroad programs. Three types of damage are covered: Student third-party liability covers bodily injury, property damage, and consequential...

from 20,95 € /year

Your quote in 1 minute !