How Much Does CROUS Room Insurance Really Cost?

Finding affordable home insurance is a mandatory step for any student living in a university residence. Insurance is compulsory for a CROUS room, but its cost is often lower than expected. The good news: specialized student offers significantly reduce the bill thanks to coverage tailored to small surface areas and tight budgets.

On average, the cost of home insurance for a CROUS room ranges between €1.38 and €6 per month (or €20 to €70 per year), depending on the coverage level, location, and value of insured personal belongings.

Discover the student housing insurance offered by Assurances Étudiants by ADH, perfectly tailored to the needs of students in university residences.

In Brief: The Cost of Home Insurance for a CROUS Room

• Mandatory insurance: A certificate must be presented before receiving the keys.

• Average market price: From €20 to €70 per year depending on the level of coverage.

• Minimum coverage: Tenant civil liability and rental risks.

• Online subscription: Certificate available online in just a few minutes.

Price Ranges for Student Insurance for a CROUS Room

Rates vary depending on the chosen plan. On the market, insurance for a CROUS room costs on average:

• Between €1.38 and €6 per month, or
• Around €20 to €70 per year for a contract tailored to university housing.

As a benchmark, at Assurances Étudiants by ADH, the entry-level plan starts at €20.95 per year, which is about €1.38 per month—one of the most affordable rates on the market, designed for student budgets.

“Your insurance is cheaper compared to other housing insurance companies, which allowed me to complete my steps on time for my CROUS housing reservation. I am satisfied with the service.”

Review from July 15, 2026 by Fabrice

Which Factors Influence the Cost of CROUS Housing Insurance?

The price depends on several key factors:

• Type and surface area of accommodation: A 9 m² room costs less to insure than a studio.
• Level of coverage: Adding optional guarantees (theft, glass breakage, electronics) increases the premium.
• Personal belongings value: Estimated total value of your personal possessions.
• Shared housing and location: A residence in a large city is often more expensive than in regional towns.
• Deductible and contract length: A higher deductible generally lowers the overall premium.

These options allow you to adjust coverage to your specific profile and avoid paying for unnecessary protections. A modular policy like the one offered by Assurances Étudiants by ADH helps you focus on essentials without extra costs.

Comparison of ADH Insurance Plans for a CROUS Room

An optional IT Coverage (€11.10/year) can cover accidental breakage of laptops and peripherals less than 8 years old, up to €1,300 (with a €70 deductible).

How to Choose Housing Insurance Adapted to a CROUS Room

1. Verify the minimum coverage requirements requested by the CROUS.
2. Estimate the value of your personal belongings to set appropriate coverage limits.
3. Compare exclusions and deductibles between plans.
4. Select a contract that can be managed online with instant certificate issuance.

A flexible policy, such as those provided by Assurances Étudiants by ADH, allows you to adapt coverage over the years according to your evolving needs and budget.

Practical Tips to Lower the Cost of Student Housing Insurance

• Compare offers every school year: Differences between insurers can be significant.
• Adjust personal belongings value: Match it to the actual value of your equipment.
• Deactivate unnecessary options: Avoid paying for coverages you do not need.
• Choose a specialized student offer: Avoid generalist policies, which are often more expensive.

Frequently Asked Questions About the Cost of CROUS Housing Insurance

What is the average price of insurance for a CROUS room?

On the market, the average price ranges between €1.38 and €6 per month, or approximately €20 to €70 per year depending on the guarantees. At Assurances Étudiants by ADH, the Essentielle plan starts at €20.95 per year.

Why can the price vary between €1.38 and over €10 per month?

Rates depend on the coverage level, value of personal belongings, location, and selected add-ons. Generalist housing contracts that are not specialized for students are typically the most expensive.

How can you optimize insurance without paying too much?

Adjust the value of personal belongings to your actual needs, limit optional add-ons, and compare plans each year. A specialized student policy, like the one from Assurances Étudiants by ADH, helps you focus strictly on what you need.

Is comprehensive home insurance (MRH) mandatory for a CROUS room?

Yes: as soon as a contract covers rental risks (fire, water damage) and tenant civil liability, it is already a comprehensive policy. The real question is the level of guarantees. A basic plan is often sufficient: at Assurances Étudiants by ADH, the Sérénité plan adds theft and glass breakage coverage.

Ready to insure your accommodation? Get your certificate in just a few minutes with Assurances Étudiants by ADH, Student Housing Insurance