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What College Students Should Know About Renters Insurance

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What College Students Should Know About Renters Insurance

Do College Students Need Renters Insurance?


Students moving to college already have made a lot of decisions. What college should I go to? Where should I live? However, they may be forgetting one important decision: renters insurance. Anyone renting should consider renters insurance, and college students are no exception. In fact, students take a whole host of expensive items with them to college – their phone, TV, laptop, bicycle, textbooks… the list goes on! With thousands of dollars’ worth of personal items sitting in their dorm room, it is worth considering renters insurance coverage.


Generally, college students under the age of 26 who live in on-campus accommodation are usually covered under their parent’s homeowners insurance policy. However, there are coverage gaps that can be minimized through purchasing a separate renters insurance policy. Supplementing coverage can ensure that the student and their belongings are protected wherever they go.


If you’re a student living in off-campus housing, then you likely won’t be covered by your parent’s policy. Unlike a dorm resident, you legally live in your own apartment, which can require its own protection. You will also have a greater deal of legal liability than a college student who lives on campus. If you host a party in your off-campus apartment and someone gets injured, you could be held liable for their injuries.


Whether you’re a student going to college or a parent who has a student in education, consider securing renters insurance coverage. From property coverage to liability coverage and additional living expenses, renters insurance can help to protect students’ pockets. For all of your renters insurance needs, talk to the professionals at Little & Sons Insurance Services, serving Banning and neighboring cities in California.


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