Household contents insurance for students

Starting your studies usually means moving out of your home. However, with the newfound freedom comes a few insecurities, because what was previously organized by your parents, you now have to manage on your own. This is also the case with household contents insurance. As long as everything goes well, you won't even feel that anything is missing, but what if your laptop is stolen, a burst water pipe floods your entire apartment, or a lightning strike kills your electronic devices?

Household contents insurance can protect you from these situations and is particularly affordable for students. It is offered jointly by allmaxx and Ergo and is there to help you in situations like these.

What is student contents insurance?

With household contents insurance you can insure your entire home inventory, i.e. your furniture and furnishings, everyday items such as your kitchen equipment and consumables such as all food and hygiene items. Valuables such as jewelry, your laptop and your pets also fall under the term household effects.

allmaxx and Ergo offer you two different household contents insurance policies for students , as well as the option of insuring your bicycle outside of the apartment. This means you are covered against environmental damage (storms, hail or lightning), fire, tap water damage, vandalism and burglary.

You always need your own household contents insurance if you live in your own apartment, or if your parents' household contents insurance does not include any external insurance or has too little external insurance.

Benefits of home contents insurance for students

Over the course of your studies, you'll probably buy new furniture, clothes and furnishings here and there because you want to be comfortable. This means that the value of your household contents increases, but you only stated a lower value to the insurance company - which means you are underinsured. In the event of damage, you would only receive a percentage refund and would not be fully compensated.

With allmaxx and the Ergo you don't have this problem. Due to the underinsurance waiver, which is included in the household contents insurance for students, you will continue to receive the full amount of damage reimbursed. Of course, this applies up to the agreed insured sum.

And another plus of household contents insurance for students: If you are planning a semester abroad, your household contents are also insured within the European Community for up to two years, up to the amount of the insured amount.

You can find out the details about student household contents insurance, such as the insured sum, briefly and clearly in this video:

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