While dormitories provide the convenience of easy campus access, many students choose to live in off-campus housing because of the independence it provides. While this choice offers freedom, it does come with more financial responsibility, which is why it's important to protect yourself with a renters insurance policy. Take a closer look at the value this style of coverage provides below.

3 Important Reasons College Students Living in Off-Campus Housing Need Renters Insurance

1. Educational Necessities

Today's college students need a variety of tools to tackle their educational goals. Resources like laptops, tablets, and expensive books are all necessities, and if they're stolen or damaged in a disaster, like a fire, replacing them can add up to thousands of dollars quickly. Fortunately, renters insurance can cover the replacement costs of these items and allow you to focus on what's important—your education.

2. Personal Belongings

If your off-campus housing didn't come furnished, you've probably spent quite a bit of money buying bedding and furniture on top of things like clothing. Now, imagine that a pipe in the unit above yours busts and floods your apartment, ruining all of your personal belongings. In such a situation, the personal property protection aspect of your renter's policy will kick into effect and help pay to replace your belongings up to your coverage limit.

3. Liability

Renters insurance can also help protect you from liability claims. If someone is harmed while at your unit, whether it's an apartment, townhouse, or detached rental, then they can sue you for damages. In this situation, you can utilize the liability aspect of your renter's insurance policy to help cover the fees, including legal and medical.

College is supposed to be the most personally and intellectually fulfilling time of your life, but everything can change in an instant. Make sure you're properly protected from the unexpected with quality renters insurance from BestRate Auto Insurance. Serving Statesboro and Vidalia, GA, the agency works with a variety of insurance companies to help their clients find policies that meet their individual needs. From home and boat to motorcycle and car insurance, request your quote today by calling (912) 489-5942 or through their online contact form.