What People Are Saying
Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.
Matt and Bethany, Charleston SC
COLLEGE APARTMENT INSURANCE
College apartment insurance is a smart way for students to secure their financial future in the event of any emergency or accident. College apartment insurance can be applied to any rental property, including an apartment, a townhouse, a condo and even a dorm. If you are a student and looking into student housing, then be sure to also check out the various policies offered on college apartment insurance.
Apartment Insurance for Students
College apartment insurance is a type of renters coverage designed for cheap student housing. Although it is not mandatory for students to buy renters coverage, it is a good idea. There are three different types of coverage you can purchase - contents coverage, loss of use coverage and physical liability protection.
Contents coverage will pay to repair or replace any contents destroyed such as your computer, your electronics and your clothing. This includes damage caused by theft, vandalism, natural disasters, water damage, faulty plumbing or electrical problems. Loss of use coverage will pay for any moving expenses or alternative accommodation if your apartment is unlivable. Physical liability protection will pay for any medical or legal expenses that incur if someone is seriously injured in your college house.
Best College Apartment Insurance Deals
Most college students are on a tight budget as is without worrying about the aftermaths of a disaster. After all, you have enough to worry about, from fuel to grocery bills, from rent to electricity bills, from the tuition fees to the textbook expenses, without the added stress of the costs of an accidental disaster.
Furthermore, if you are attending college, then you are most likely out on your own for the first time. You are gaining independence and responsibility away from your family and your parent's constant surveillance. The last thing you want right now is an accident forcing you to return back home and ask for a loan to pay for the damage. With apartment coverage, you do not have to rely on Mom and Dad, senior citizen relatives or siblings to help out you. You are proving your responsibility as well as your independence.
One excellent reason to invest in renters coverage is because of the many hazards that come with living in student accommodation. Regardless of whether you are living in a two bedroom loft or a five bedroom condominium, you will most likely be living with other students or tenants. This means that everything they do will directly impact you. If they leave the gate open, you could be faced with a robbery and a stolen computer. If they leave the taps on, you could be looking at a water logged living room and ruined furniture. If they leave their hot plate on, you could be faced with smoky and charcoaled clothing. With student apartment insurance, your belongings are protected from the negligence of others.
You should also look into insurance if your college house is known as somewhat of a party house. If you are throwing parties, then the risk of theft, vandalism or other damage increased dramatically. Furthermore, you could also be looking at medical expenses or a lawsuit if someone seriously injures himself in your home.
Another reason it is a good idea to invest in college apartment insurance is for protection it can provide against weather and natural disaster damage. This includes things like storm damage, water damage, earthquakes, landslides, tornados and hurricanes. If you live in a state where the weather is erratic, then you know how devastating the consequences can be. Unfortunately Mother Nature does not care if you are a starving student on a budget or that you have not purchased college apartment insurance. If you are hit with a natural disaster, you could be looking at several thousands of dollars in repairs and replacements.
Compare Off Campus Renters Insurance
If you are attending school or going to next semester, then you probably have a million and one things running through your head. Have you booked your classes? Have you purchased your text books? Have you organized your finances? Have you bought your home furnishings? Have you arranged transportation? Have you found a college apartment? On top of the seemingly never ending to-do list, be sure to also add ‘find college apartment insurance' onto the list.
Fortunately, finding college apartment insurance can take all of five minutes. In fact, by simply entering your details you will instantly be connected to a number of companies that specialize in finding renters insurance for students. You can browse through the different options, compare the providers and purchase a policy that comes with an affordable premium. Why risk your college experience and your financial future by not being prepared? With renters insurance, you are covered for those unexpected disasters in life that, regardless of how many textbooks you read, you simply cannot predict.