Student Home Insurance

• 2026 / 2027 Academic Year: Coverage takes effect on your subscription date and extends through August 31, 2027.
• Effective Date: Depending on your selected option, coverage begins immediately or 14 days after payment confirmation. It systematically ends on August 31st of each year.
• Contractual Freedom — NO AUTO-RENEWAL (Sans Tacite Reconduction): This housing policy does not automatically renew. To maintain your coverage for the next academic year, simply renew it manually before September 1st.
• Flat-Rate Fee & Fixed Duration: The annual premium is calculated on a fixed flat rate for the full academic year. Whether you subscribe on September 1st or mid-year (e.g., January 1st), the fee remains strictly the same and covers you through August 31st.

Expert Insight: "At ADH Assurances, we made a deliberate choice to eliminate automatic renewal (no tacit renewal). Why? To offer complete flexibility to international and domestic students. Student life moves fast and changes often—your home insurance should adapt to you, not the other way around." Camille, Manager at Assurances Étudiants by ADH

• Students: Exclusively available to individuals holding a valid student ID card or enrollment certificate (certificat de scolarité) for the current academic year. Covers all study programs: university, Grande École, apprenticeships, BTS, IUT, preparatory classes (prépas), or vocational training interns.
• Young Professionals: Accessible to recent graduates for up to 3 calendar years following their final study year.
• Roommates / Shared Housing (Colocation): The policy is reserved for tenants. In shared accommodations (joint or individual leases), all co-tenants must hold student or young professional status.
• Good to know: Having a Home Insurance policy (Assurance Habitation) is mandatory under French law for all tenants, even if you occupy the accommodation free of charge.

Concrete Example: Coverage extension for Young Professionals If you graduate in June 2026, you retain the right to subscribe at the preferred Young Professional rate until December 31, 2029.

This housing policy is designed for various young profiles, with no age limit: Students: Exclusively available to individuals holding a valid student ID card or enrollment certificate (certificat de scolarité) for the current academic year. Covers all study programs: university, Grande École, apprenticeships, BTS, IUT, preparatory classes (prépas), or vocational training interns. Young Professionals: Accessible to recent graduates for up to 3 calendar years following their final study year. Roommates / Shared Housing (Colocation): The policy is reserved for tenants. In shared accommodations (joint or individual leases), all co-tenants must hold student or young professional status.

• Studio apartments
• Standard apartments
• University residences & CROUS halls
• Residential buildings
• Rooms in private homes (Chambre chez l'habitant)
• Boarding schools / Internats

• Third-Party Liability (Responsabilité Civile): Covers property damage or personal injuries caused to third parties in your private life, student activities, and corporate internships. Note: Included in Confort and Sérénité plans.
• Theft Coverage Conditions (Vol): Theft is covered only if there is evidence of forced entry, violence, or threats. Claims meeting these criteria are indemnified strictly within policy limits.
• Exclusions: Cash, jewelry, and high-value luxury items are excluded from coverage.
• Policy Flexibility: You can add optional add-ons at any time to tailor your coverage.
• Simplified Procedures: Declare your claims online 24/7 directly from your customer account under the "File a Claim" section.

• Tenant Liabilities (Risques Locatifs): Unlimited coverage amount.
• Personal Belongings / Furniture: Covered up to €3,500 per main room.
• Additional Costs Included: Expert fees, neighbors' recourse claims, etc.

Concrete Example: What is considered a "Main Room" (Pièce principale) in French insurance?

For calculating your coverage limit (€3,500 per room), a main room includes living areas, bedrooms, and dining spaces. Excluded from this count are storage closets, hallways, bathrooms, toilets, and kitchens under 30 m². External outbuildings such as private garages and parking spots are not covered under this policy.

• Private Life
• University & Campus Life
• Corporate Internships in France and abroad (for stays under 3 months)

Expert Insight: "Student Third-Party Liability (Responsabilité Civile) is mandatory in France to validate your university enrollment and sign internship agreements (Conventions de Stage). We designed ours so that it protects you both in the lecture hall and at your internship workplace—saving you from buying multiple contracts." Corentin, Marketing Director at Assurances Étudiants by ADH

• Theft (Vol): Covered up to €800 (€70 deductible).
• Glass Breakage (Bris de Glace): Covered up to €250 (€20 deductible).
• IT / Electronics Extension (Extension Bureautique): Coverage up to €1,300 (€70 deductible). Covers accidental damage/breakage to your computers, laptops, and peripheral hardware, provided they are under 8 years old and located inside the insured premises.

• Tenant legal protection for issues related to your rented accommodation (e.g., landlord disputes, deposit recovery).
• Everyday legal protection for daily life disputes.
• Coverage Thresholds & Caps: Out-of-court / amicable settlement coverage starts from €0; judicial representation starts from €1,000. Overall coverage cap is set at €1,000 per dispute.

Expert Insight: "You also gain free access to legal helpline assistance covering all areas of French law. Qualified legal experts are available to answer your questions, advise you on tenant rights, and help resolve conflicts before they escalate." Jessica, Legal Counsel at CFDP Assurances

• Personal Accident Insurance (Individuelle Accident — Reserved for Young Professionals): Up to €3,000. Capital payout in the event of death or total/partial permanent disability resulting from an accident.
• Academic Year Repeat Allowance (Indemnité Redoublement — Reserved for Students): Up to €3,000 (no deductible). Coverage is triggered if you are forced to repeat an academic year due to the death of an immediate family member within 30 days prior to final exams, OR hospitalization (due to accident or illness) lasting more than 48 hours within 15 days prior to final exams.

• Up to two (2) requests per year.
• Up to ten (10) consultation sessions per request.
• Process: Confidential activation directly within your personal online account under the "File a Claim" section.