Does Your College Student Need Renters Insurance?

Are you starting to prepare your child for college? You likely have a big “To Do” list to complete before they leave. Is getting Renters Insurance on your list

A stolen laptop or a dorm fire is a reality on a college campus. Since your student will be brining some pretty expensive stuff with them — a television, laptop, and smartphone for starters — it’s a good idea to make sure their belongings are protected. The coverage they need depends on whether they are living in the dorm or an off-campus apartment.

On-Campus Living

If your college student is living in a dorm, their belongings may be covered under your homeowners or renters insurance policy. The National Association of Insurance Commissioners (NAIC) says that students who are younger than 26 and living on campus may be covered through their parents’ policy. Give us a call to see what your policy covers!

Off-Campus Living
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If your student will be living in an off-campus apartment or house, your coverage will probably not cover their belongings. A renters policy also provides liability coverage to protect you and your student from paying if found legally responsible for someone else’s injuries or accidental damage to their property.
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A renters insurance policy from StreetSmart Insurance will include:

• Personal property protection
• Family liability protection
• Guest medical protection
• Additional living expenses
• Additional protection
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Street Smart Insurance is committed to providing affordable coverage. Whether you are looking for your first renters insurance policy or you are shopping for a better price, our agents are ready to help. Call us at 732-462-8343 for a free quote!