Home insurance is not included in your rental contract. You are therefore required to subscribe to your own home insurance before moving in.
🎯 What should your home insurance cover?
Your insurance contract must at least include the “rental risks” guarantee, which covers:
Fire
Water damage
Explosions
...
Each tenant must cover their room and their share of the apartment. It protects against external damage or any damage you may cause as a tenant.
Examples:
If your flat is 100 m² and has 4 bedrooms, you should indicate your insurance company that it's 25 m² (100/4).
If your flat is 130 m² and has 6 bedrooms, you should indicate your insurance company that it's 22 m² (130/6).
⚠️ Failure to provide valid insurance may lead to contractual penalties (termination of lease, deductions from security deposit, etc.).
✅ What we recommend
To be better protected, we strongly advise you to also include the following:
Personal liability insurance: covers damages you may cause to others (inside or outside the accommodation)
Personal belongings protection: especially if you own valuable items (phone, electronics, clothes, jewellery, artworks…)
Other useful guarantees: some insurance plans also cover treatments for bedbugs, for example.
📝 Where to subscribe?
📱 Fully digital insurers
For your home insurance, we work with a dedicated partner offering policies tailored to shared accommodation, at competitive prices and with quick sign-up:
Lovys Get 1 month free!🎁 Sign up using the link below and enter the code COLONIES at the end of your quote to claim your free month - Click here to sign up
🛡️ Traditional insurers
Companies like MAIF, MACIF, Matmut, Allianz, AXA or Groupama also offer tailored contracts, sometimes with wider coverage.
🏦 Banks
Most banks offer home insurance plans – convenient if you’re already a customer.
📦 Student packs
Some student mutuals or “young worker” packs include home insurance (make sure personal liability is included!).
💡 Tips
A basic home insurance plan usually costs around €5-€15 per month.
Make sure to request an insurance certificate upon subscription – it will need to be uploaded to your tenant space upon arrival at Colonies.