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In just a few short weeks, college students across the country will start packing up for the start of the fall term. If your child is heading to a campus far from home, it’s normal to be worried about their personal well-being, but what about the valuable belongings they’re taking along? While your homeowners insurance policy might cover their laptops, cell phones, musical instruments, and other expensive possessions, purchasing additional coverage may be a wise investment.

Insuring a College Student’s Personal Possessions

homeowners insuranceWhether your homeowners insurance will cover your college student’s belongings depends on where they live and how much their possessions are worth.

Living in a Dorm

Some insurers are reluctant to write renters coverage to college students living in dorms or off-campus housing. Fortunately, their possessions are usually covered by your homeowners insurance policy, much like belongings kept in storage or taken on vacation. However, the policy limits for items kept outside of the home are usually much lower, and may not be enough to cover especially valuable possessions that are stolen or destroyed in a covered event.

Off-Campus Housing

If your student is living in their own apartment, they will likely need their own renter’s insurance policy to protect their most expensive belongings. Buying renter’s insurance is often a better choice, since you can choose the policy limits to meet your student’s needs. The liability coverage included in the standard renters insurance policy will also protect your child if they accidentally damage someone else’s property or someone is injured in their apartment. Because renters insurance doesn’t need to cover the building itself, most people can get the coverage they need for just a few hundred dollars per year.


 

If your child is heading off to college soon, let the experienced agents at Simmons Insurance Group of Southeastern Ohio help protect them from the unexpected with a homeowners insurance policy. As a fully independent agency, they’ve been serving families throughout the area for over 45 years, offering a wealth of policy options from several of the industry’s leading carriers. Visit their website now to find your nearest location, or call (740) 667-3111 to request a quote from their office in Coolville today.

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