Ensure you have extensive home contents insurance as a student

The insurance policy covers the following scenarios:

• Damage to your personal belongings caused by lightning strikes.
• Flooding or water penetration into the buildings due to heavy cloudbursts or thawing where the water cannot drain properly. This includes water entering through obvious routes and leaks such as installed vents, exterior basement steps, chimneys, closed doors, and windows.
• Sewer flooding or water escaping from drain pipes and systems, such as toilets, due to heavy cloudbursts or snow thawing.
• The insurance will also cover damage to your possessions caused by storms, hail, snow and ice accumulation, melting snow, and rainwater following damage to the building.

The insurance covers your personal belongings against damage caused by water and other liquids in the following situations:

• Leaks (of water, oil or other liquids) from pipe installations and containers with a capacity of 20 litres or more.
• Slow leaks that occur in the building's concealed water, heating, or drainage pipe systems.
• Leaks from pipes situated in areas of the building that are not under your direct control.

The insurance policy covers lost or damaged luggage but excludes gold, silver, jewellery, and money.

• Sudden damage to your things.
• Clothing damage due to mechanical or electronic failure of the washer or dryer.
• Refrigerator breaks down and spoils food at home due to accidental power outage or accidental failure. However, there is no coverage if you, or someone with legal access to your residence, cut the power supply. The insurance also covers subsequent damage to other things destroyed by the defrosted food, including disruption of refrigeration and freezing systems.
• Damage to your belongings during transport in a road accident such as a collision or overturn.
• Damage to your gadgets during a maritime accident on a boat, ship, or ferry where you are on board. An accident suggests damage to the vessel. Therefore, to get compensation, it is a prerequisite that you present the damaged electronic item, except in accidents involving a sailboat.

For you, a tenant, condo owner, or housing co-op resident, the insurance covers the following events:
The insurance protects glass and sanitation against damage that makes them useless, for instance, fractures, flaking or scratching. However, the previous installation of these parts in their permanent place in the building is a precondition.

Extended water damage (house/townhouse owners):
The insurance protects your belongings against water damage in the following situations:

• precipitation, where water penetrates the building through leaks, for instance, through porous building foundation, basement floor, basement walls and roof structures.
• groundwater flooding.
• snow drifting in the ceiling where there is no direct access due to the building structure.
• leaks from visible pipe installations and containers of 20 litres or more. For instance, radiators and hot water tanks.

The insurance covers:

• Sudden damage to your electronic gadgets.
• Malfunctioning of your electronic gadgets, for instance, if mechanical or electronic failure makes them useless.
• Damage caused by short circuit, induction, power surge or the like.
• Sudden damage to electronic gadgets due to water, liquids, or moisture.
• Damage to your electronic gadgets when you suffer a traffic accident on the road, for instance, a crash, overturning, or collision.
• Damage to your gadgets during a maritime accident on a boat, ship, or ferry where you are on board. An accident suggests damage to the vessel. Therefore, to get compensation, it is a prerequisite that you present the damaged electronic item, except in accidents involving a sailboat.

The insurance policy covers damage to your belongings even when renting out your home. If you have added theft, vandalism, sudden accidents, and extended electronic malfunction to your policy, you are still covered when renting your home.