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
COMMUNITY COLLEGE HOUSING
Community college housing is an affordable and convenient way for students to attend school away from home. Regardless of whether you are looking for a single dorm room or off campus housing, you want to be sure that your community college housing provides you with a comfortable, convenient and cost-effective way to live and study. Furthermore, you want to be sure that your contents are protected from any accidental damage or natural disasters along the way. This is why it is so important to also look in to student renters insurance when looking into community college housing.
Off Campus Housing Insurance Premium
Although students are not required by law or by their community college of choice to purchase renters insurance, it is a smart and responsible way to protect your financial future in the event of any disaster. Renters insurance comes into effect if your rental house, regardless of whether you are renting an off campus townhouse or a dorm room on campus, is struck with disaster. While the community college or the home owner will be responsible for the structural damage to the apartment, you, the renter, is responsible for your own belongings. This means, if, for example, your student condominium burns to the ground, the landlord's house insurance may pay to have it resurrected but your contents, such as your textbooks, your furniture, your clothing and your computer, will not be covered under this plan. You are responsible for your own belongings, which is where student housing insurance comes into effect - to help you with your college housing costs.
There are three different types of housing insurance, all of which can benefit the community college student. Contents insurance will pay to replace or repair objects such as jewelry, clothing, computers, textbooks, paintings, area rugs, furniture, and electronics and other moveable items (or contents) in your housing unit. It does not matter if you are living in a studio loft or a four bedroom condo, your contents will remain protected. Loss of use coverage will pay for any expenses incurred if your home is made unlivable including moving fees as well as alternative accommodation. This can be a comforting thing to have, especially if you are attending school away from your family or any senior citizen relatives. Instead of crashing on a friend's couch or sleeping in the community college library, you will be able to afford alternative accommodation for a certain amount of time. Physical liability protection takes care of the medical and legal fees incurred if someone is seriously injured in your rental unit.
Student Housing Renters Insurance
Community college housing comes with plenty of perks. In most situations you will either be on campus or close enough to campus that your classes are only a walk away. You will also have direct access to the library and other community college facilities such as the cafeteria, the pubs and the social clubs. Community college housing also tends to be quite affordable as it is built for the student on the budget. Furthermore, when staying in community college housing, you will also have plenty of time for socializing. After all, you will most likely be living with anywhere from two to fifty students in the same situation as you. In between writing essays and studying for exams, there will be plenty of time for late night pizzas with your house mates and all night pub crawls.
However, it is important to understand that, while there are plenty of perks to living in community college housing, there are also several hazards and dangers to be aware of. The more people you are living with, the more chance there is of a fire, water damage or electrical problems. Furthermore, there is also an increased chance of theft or vandalism during a party or social gathering. Most students are stretched in the budget department as is, without worrying about the consequences of serious accident. There really is no room for emergencies in your monthly budget. With student renters insurance, you can protect your financial situation and your strict budget. If you are struck with a disaster, you do not have to worry about the financial implications. While you focus on moving on with your life and keeping your studies on track, your insurance provider will handle the rest. This can be a comforting thought, especially if you are faced with a disaster during final exams....
Compare Community College Renters Insurance
When looking into community college housing in your area, be sure to also check out student renters insurance. For as little as $10 per month, you can insure your contents in the event of any accident. With an online search you will have instant access to a number of providers in your area that specialize in community college housing insurance. Find a policy that fits with your budget as you as your lifestyle.