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The hassle-free housing solution for international residents in Europe

Few things are more exciting than embarking on a new life abroad. But if you’re worldly enough to take the leap, you probably also realise how many practical challenges you’ll face.

The hassle-free housing solution for international residents in Europe
Photo: LifeX

In many European cities, housing is one of the biggest headaches for international residents. Half of all property rental ads in Paris are illegal, according to one study, while many German cities have seen protest marches against “rental insanity”.

It’s hardly what new arrivals want to hear. But how about moving into a large, fully furnished apartment, with cleaning provided and flexible arrangements to match your life?

You could get all this with LifeX co-living if you need a place in Copenhagen, Vienna, Paris, Berlin, Munich or London. With the opportunity to share with a diverse set of international professionals, residents say the apartments also offer a great way to make new friends.

Hassle-free housing: find out more about what you get when you move in with Life X

Clean, classy and always convenient

“Everyone knows these days that time is the only thing you can’t buy more of,” says Paul Sephton, a 30-year-old South African who lives in a LifeX apartment in Copenhagen. “LifeX is a ‘plug-and-play’ model to move into a new city and feel like you’ve had a home for years.” 

He describes the services he receives as “phenomenal”. In addition to a furnished room, you get pillows, sheets, and a weekly clean. If you enjoy cooking, you can expect mixers and modern appliances, as well as basics like pots and pans.

“Things like the cleaning really save you time on a daily basis to focus on the things you want to do,” says Paul.

Ivana Jelic, 32, from Serbia, moved from Paris to Munich, where she works in venture capital, in June 2019. “If you’re coming as a foreigner, it’s complicated and the search for a flat is a nightmare,” she says. After first moving into a private rental on her own, she moved into a LifeX apartment four months ago.

“I just came in with one suitcase,” she says. “It was so easy. There were pillows, a duvet, towels, the whole kitchen is equipped – you even have coffee. You have modern furniture and it’s light and clean. It’s like a serviced apartment with everything provided but a lot more personalised.”

She also praises the administrative approach, including digital contract signing. “All this paper is removed from the picture,” she says.

Photos: LifeX

Your very own friend finder

Between four and eight people live in a typical LifeX apartment. That means around 40-50m2 of space per person on average – a far cry from a cramped studio flat. But having plenty of personal space doesn’t mean you’ll be short of potential friends.

Paul shares his apartment in the elegant and green Østerbro district with six people from six countries: Brazil, Finland, France, India, Iran, and Zimbabwe. While their origins are diverse, Paul says they all have a similar mindset about co-living that he finds “uplifting”.

“You’re sharing with people who have the common point of coming far from home and are interested in meeting and engaging with other people,” he says. 

Social events that the company facilitates encourage “organic” connections whether you’re an introvert or an extrovert, he adds.

“I have colleagues who pay huge subscriptions for expat events with buffet table brunches,” says Paul, a brand communications manager. “It’s a very forced social facilitation where you try to walk away with friends.”

Ivana shares her apartment in Haidhausen, a trendy area of Munich by the Isar River, with two flat-mates from Switzerland and Lithuania. “I was in Munich for nine months before coming to this flat. I didn’t really like it and I wasn’t sure if I wanted to stay,” she says. “My job, which I love, together with this flat, my flat-mates and the neighbourhood actually sided in favour of staying.” 

Around one in five people living in LifeX properties are locals – so you might even find a friend who can show you around your new city.

Community and convenience: view all LifeX’s available apartments now

A home from home

Many international residents worry about a lack of flexibility in rental contracts. You may be asked to commit to a lengthy minimum period – or worry that a landlord could force you out when you have nowhere to go.

With LifeX, the minimum stay in most cities is three months – and you can stay as long as you want. Paul, who has been in his apartment for more than two years, says the experience has helped him develop a wide network that makes him feel at home in Copenhagen.

“There are lots of familiar faces,” he says. “You never really feel like you’re alone in a new city.”

The size of the home and the inclusive atmosphere also helped him avoid the “strong sense of isolation” that friends who live alone experienced due to coronavirus-related restrictions.

Ivana, who moved into her apartment near the height of the pandemic, says she had initially planned to stay for just a few months before going back to living alone.

“I moved in with LifeX during a very hard period but it was the biggest help to lift me up,” she says. “A different Munich started to exist. I no longer need to go and live on my own.” 

Moving to a new city or looking for a better home? Find out more about LifeX and its range of apartments in six major European cities: Copenhagen, Vienna, Paris, Berlin, Munich and London.

For members

LIVING IN AUSTRIA

‘Haushaltsversicherung’: How does Austria’s home insurance work?

'Haushaltsversicherung' is one of Austria's most popular types of insurance. It is not mandatory, but it is certainly worth evaluating, especially as it comes with many possible add-ons.

'Haushaltsversicherung': How does Austria's home insurance work?

Austrians are certainly obsessed with insurance coverage, and one of the most popular and common ones is known as the “Haushaltsversicherung”—if you don’t have it already, you have certainly heard of it. Here’s what you need to know about household insurance.

Firstly, this insurance covers damages to “all movable objects within your own four walls,” as Austria’s Chamber of Labour (AK) explains. This includes furniture, carpets, and electrical appliances. It would also cover damages caused by fire, storms, water, burglary, and glass breakage. 

Certain types of insurance, such as private liability insurance or mandatory dog liability insurance, are almost always combined with household insurance—another reason why the Haushaltsversicherung is so popular in Austria.

READ ALSO: What kind of insurance do I need to have in Austria?

However, there are enormous differences in premiums and benefits, so experts suggest you check precisely what you need before taking out insurance. The AK also says you should talk to an insurance advisor to learn more about your specific case and needs, particularly if you have any valuables in your home. 

Additionally, they said: “It makes sense to check your policy every few years to ensure that you are properly insured. This guarantees that the sums insured and the risks included are up-to-date and sufficient”.

What should I keep an eye on when reviewing policies?

Of course, different companies have their own offers, and they are often highly customisable to fit your apartment and lifestyle—some things you need to be aware of, though.

Certain policies are tied to the size of your apartment, while others will have a lump sum regardless of the size of your place. Policies also usually differ depending on whether you live in an apartment or a house. 

While most insurance will cover glass breakage (such as when a hail storm breaks your window, for example), some might have it as an add-on (wahlweise mit Glasbruch). 

You may also add other types of insurance to your household insurance, the most common being mandatory dog liability insurance (Hunde-Haftpflicht), legal insurance (Straf-Rechtsschutz), and sports insurance.

READ ALSO: Should I take out insurance before skiing in Austria?

It’s worth it to read each policy, but you should know some common clauses beforehand. For example, insurance often won’t cover burglary costs if your house has not been properly secured and locked. This might seem obvious, but since door knobs don’t open from the outside without the key, people often leave their homes, especially for short errands, and don’t lock the doors all the way. Insurance and safety experts recommend you get in the habit of locking your home doors.

It’s also important to check if your insurance will pay you “Neuwert” or “Zeitwert” in case of damage. 

A Neuwert means the insurance will pay for a replacement object, regardless of how old the stolen or broken one was. However, many insurance policies still contain the so-called “Zeitwert”, something like “current value”, so you wouldn’t receive an amount that could pay for a new product. Instead, a loss of value of around 10 percent per year could be expected for most objects.

What should I do if there is damage to my home?

If you see any damage to your home from burglary, accident or other types, you need to notify your insurer immediately and report the damage you have suffered. 

The insurance conditions usually stipulate a maximum period of three days for reporting a claim in property insurance. The Chamber of Labour also recommends that you send a written notification of the claim (preferably by registered mail, they add).

“Make a list of all items that have been destroyed or lost and enclose it with your report to both the insurer and the security authorities”, they said. And, of course, in the event of fire burglary or robbery, always inform the fire department or police authorities.

READ ALSO: EXPLAINED: The Austrian insurance for if you get sued – or want to sue someone

How long does the insurance last, and how much does it cost?

The insurance term is usually specified in the counteract. In general, though, you can terminate it after the third year with one month’s notice if the contract has not already expired.

If you move house or move abroad, you can terminate your household insurance contract. You can cancel the insurance the day before the move begins (preferably by registered letter).

If you do not exercise your right of termination, the insurance will remain valid during the move and in the new home.

Regarding prices, they can be as low as a few euros a month (such as insurance specifically tailored to students living in shared flats) to several hundred a month if you have a large place with plenty of valuables or include several add-ons. 

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