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
STUDENT RENTAL INSURANCE
Student rental insurance is an important investment in your future if you are student currently renting. It does not matter if you are renting a dorm room, an off campus five bedroom house or a luxury townhouse, you will need some level of insurance to protect the things you love. Student life can get hectic to say the least. In between the exams, the essays and the pub nights, the last thing you want to worry about is handling the repercussions of a disaster or a break in. With student rental insurance, if you are struck with disaster, your rental insurance provider handles the financial aspects so you can focus on continuing on with life and working towards your degree.
Student rental insurance plans start as low as $10 per month. This is cheaper than a couple beers at the pub. You can insure your computer, your textbooks, your furniture, your electronics, your clothing and anything else of value in the event of any disaster or accident including earthquakes, landslides, tornadoes and hurricanes, poor weather such as sleet, hail, snow or ice, as well as damage caused by negligence of others, such as theft, vandalism, civil commotion and fire.
Off Campus Renters Insurance Policy
Rental unit insurance comes in three main types- contents insurance, loss of use coverage, and physical liability coverage. Contents coverage is a type of protection that will pay to replace or repair any moveable objects in your rental unit in the event of a disaster. This includes furniture, electronics, jewelry, clothing, toys, paintings, area rugs and anything else that is moveable. Loss of use coverage will pay for any moving cost or alternative accommodation expenses if your apartment is damaged in an accident and rendered unlivable. Instead of worrying about paying for additional accommodation in a hotel and finding a moving van at short notice, your loss of use coverage will pay for these unexpected expenses.
Physical liability protection comes into effect if someone if seriously injured in your rental unit. If you live in on campus student housing, this means that you are responsible for what happens in your dorm room. If you live off campus, this means you are responsible for what happens in your apartment, your loft, your condominium or your house. Physical liability protection can pay for any medical or legal expense including loss of income, rehabilitation fees and medication expenses. The last thing you want to worry about if you have a party at your condo and a fellow student is seriously injured is a lawsuit that is filed against you. Not only can this negatively impact your grades, but it can also have damaging effects on your reputation in the future. With student rental insurance, however, you can focus on your studies while your financial provider handles the legal implications of this mess.
Rental Insurance Deals For Students
Most students are living on a budget and simply cannot afford to be paying more than they need to on renters coverage. This is one of the biggest reasons to not only insure, but also compare the various rates out there. After all, as a student, you cannot afford to lose your belongings and start again. Even if you do not have a lot of stuff, you will be surprised to discover how much your stuff really is worth if you have to replace it. Rather than spending your college money on refurnishing your rental home or relying on the Bank of Mom and Dad to help you out, you can remain protected against life's unexpected disasters.
Compare Student Rental Insurance
When it comes to purchasing student rental insurance, it is important to not only base your selection on price. After all, if you are struck with disaster, you want to be sure that you are covered for anything and everything and that your provider offers the compassion, customer service and support you want during this difficult time. Be sure to always weigh in the right level of coverage for your needs as well as the various providers out there. All providers all different and have various coverage options and rates available. While some providers specialize in insuring those with a family, others offer special senior citizen discounts. What you need to find is a provider that works directly with student renters so that you can get exactly what you are looking for.
With an online search of student rental insurance you will have instant access to a number of providers in your area. In between browsing Facebook and researching Freudian theory, you can compare student rental insurance premium prices and providers. All the protection you need for the future is literally at your fingertips. All you need to do is click and compare your way to a student rental insurance plan that is right for you.