Home insurance that suits your budget
and lifestyle !

Useful guarantees for a complete coverage starting
from 34 € /year

How do I choose an offer ?

To determine the offer you need, it's simple. Count the number of main rooms (over 6m²) in your apartment without the entryway, bathrooms, toilets, and kitchen. Rooms larger than 40m² count as rooms every additional 40m². The surface area of a mezzanine is added to the surface of the room in which it is located.

Example :

Studio apartment: 1 main room plus bathrooms and kitchen.
Two room apartment: 2 main rooms plus bathroom(s) and kitchen
Three room apartment: 3 main rooms plus bathroom(s) and kitchen
Four room apartment: 4 main rooms plus bathroom(s) and kitchen

Our Rates

Package

Rates

On-site campus room without theft

35 €

On-site campus room with theft

41 €

Room in private home

59 €

Studio T1

74 €

104 €

117 €

140 €

^* Price valid from June 1, 2022 to May 31, 2023. application fee included

Your home insurance
for € / year

Your Housing guarantees

Fire and related risks

HEYME covers you in the following cases:

Combustion of flames outside a normal fireplace, explosion, and implosion
Lightning strikes
The effects on power or surge voltage due to lightning: electrical wiring, telephone, heating, alarm, air conditioning, and ventilation systems in the accommodation.
Smoke and fumes
The impact of an identified motorized land vehicle of which you are not the driver or owner, nor a person for whom you are civilly responsible or someone in your close circle.

Weather events

Your insurance policy protects you in case of a weather event:

storm
hail
the weight of snow or ice accumulated on roofs
and other damages caused by bad weather...

Water damage

HEYME covers damages caused by:

Leaking, breaking, or overflowing unburied pipes, water service equipment
Water or snow infiltration
Accidental breakage or abnormal sewage overflows
Infiltration through seals around the perimeter of sanitary installations and through tiles
In other cases, water damage if caused to you by another person.

Glass breakage

Your home insurance covers glass breakage, including:

Window panes, French windows, bay windows, skylights, glass roof, glass partitions, balcony railings and partitions, interior or exterior doors as part of the insured buildings.
Window pane inserts
Sealed mirrors
Stained glass windows...

Attacks and acts of terrorism

Your contract covers you against direct material damage, occurring on national territory, caused by an attack or an act of terrorism.

Natural disasters

HEYME covers property direct damages caused by the unusual intensity of a natural phenomenon (flood, landslide, mudslide, drought, or earthquake).

Civil liability as an occupant

Your insurance policy protects you from financial consequences of civil liability for physical injuries, property damage, and consequential damages caused to a third party. But also from :

The financial consequences of physical, material, and immaterial damages caused by your own properties
We also cover people around you, including your roommates, guardians and occasional volunteer caregivers...

Defense and legal actions

In case of amicable or legal defense HEYME commits to do all amicable or legal interventions in order to defend you, at its expense, in case of action involving a liability insured and guaranteed by this contract.

In case of amicable or legal actions, HEYME commits to take, at its expenses, any amicable or legal action against a third party in order to get you financial compensation for your private life and material and physical damages.

Theft and acts of vandalism

HEYME covers you in most cases of theft and vandalism when:

⦁ Theft/attempted theft is committed inside your own private enclosed and covered building.
⦁ Assaulted and robbed while transporting valuables for a deposit or a withdrawal in a financial institution.
HEYME also covers damage caused by acts of vandalism committed :
⦁ Inside your private enclosed and covered buildings
⦁ In the outdoor area of the insured buildings