During college, many individuals rent apartments and homes off-campus with friends and fellow classmates. As you plan to move into your new residence, securing renters insurance from a helpful and qualified insurance agent should be high on the priority list. Here are a few benefits to coverage while you’re in school. 

4 Reasons Why College Students Should Get Renters Insurance

1. Protect Your Property

To make your rented apartment feel like home, you’ll invest in various conveniences and necessities, from flat-screen televisions to furniture, kitchen utensils, and appliances.

Combined, the value of these items can add up. Renters insurance offers protection so you can replace belongings that are stolen from your apartment or damaged in a natural disaster. 

2. Avoid Liability Problems

If a friend or neighbor is injured while visiting your apartment, you may be responsible for covering medical bills and other damages. In addition, should you accidentally cause damage to your apartment complex or communal spaces, paying for repairs can fall on your shoulders.

By working with an insurance agency, you can find a renters policy that protects you from these out of pocket expenses.

3. Emergency Coverage

A burst pipe, electricity issue, or broken HVAC system can make your apartment temporarily uninhabitable. Floods and other natural disasters can also prevent you from safely living in your home.

Under these circumstances, your renters insurance policy will cover meals and any temporary hotel fees incurred while your apartment is fixed up. 

4. Travel & Commute With Ease

In addition to protecting items inside your apartment, renters insurance can extend beyond those four walls. Personal belongings, like laptops, electronics, and jewelry, are protected against theft and other covered losses when they go missing from your car or during travel adventures.

Since the college lifestyle is on-the-go and requires frequent commutes, this type of policy can help you replace critical devices in a timely manner. 

If you or your child are heading off to college, Bruce Richardson - State Farm Agent can help you find an affordable renters insurance policy that meets your needs. Based in Mooresville, IN, this friendly, dedicated insurance agent has served clients across central Indiana since 1994. To discuss your policy needs, call today at (317) 831-3500.