As a university student, you may be wondering whether you need a house insurance. Students are more likely to be at risk of theft as they often have expensive electronics and live in shared accommodations. Getting house insurance is an effective way to protect your belongings against theft and damage. This blog will discuss what house insurance is and why university students should obtain house insurance.  

What is house insurance? 

The purpose of house insurance is to protect your home and belongings. House insurance can cover the cost of any repair that is required if your property is damaged. If items are stolen or damaged, your house insurance will also cover those by providing replacements for those items. 

There are three main types of home insurance: 

Buildings insurance: This covers the physical structure of your home and fixtures and fittings. 

Contents insurance: This covers your personal belongings, but only when they are inside your home. 

Combined: This includes both buildings and contents insurance. 

What insurance do students need? 

Students do not need building insurance as this will be the responsibility of your property owner. The most relevant insurance for students is contents insurance as it protects your belongings if they are stolen, lost or damaged.  

Contents insurance usually covers: 

Mobile phones 

Laptops and tablets 

Gaming consoles 

Furniture 

TVs 

Clothes and jewellery 

Books 

Musical instruments 

Other valuables  

To be eligible for student house insurance, you must be studying full-time at a university or college in the UK. Items over the value of £1000 cannot be insured.  

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