Going Back to College? Don’t Forget Your Renters Insurance

Going Back to College? Don’t Forget Your Renters Insurance

Heading back to campus this fall?  Make sure that you are covered with renters insurance.

As you’re getting ready for college, you might be worried about your classes or stressed about making new friends.  However, the idea of someone stealing your laptop probably isn’t how you imagine your college experience going.  When you move in this fall, you’ll be bringing pricey things like laptops, tablets, phones, and speakers with you.  So it’s best to make sure that they’re covered.  A renters insurance policy can offer you the protection you need.

Please be aware that protection for your personal items is dependent on where you’ll be living this year.  For instance, if you are living in a dorm or other campus housing community, your property may be covered under your parents’ homeowners insurance policy.  Check with your insurance provider to learn about your policy’s personal property coverage.  Some policies may limit the protection they offer for belongings outside of the home.  Additionally, some items, such as laptops, might have coverage limits, so it may be smart to consider getting an additional policy.

If you are staying in off-campus housing, your parents’ insurance probably won’t cover your belongings.  You may want to consider your own renters insurance policy to protect your things from theft or damage.  As an added bonus, an individual insurance plan will also typically provide liability coverage.  This type of policy can cover you if you are found responsible for causing accidental injury or property damage.  Again, make sure you are aware of coverage limits, as you may need additional coverage for certain personal items.

While you’re running all over campus, the last thing you want to worry about is the safety of your belongings.  Consider a renters insurance policy to ensure that you’re completely protected.  For insurance help in Plano, TX, contact the friendly team at Tri-Star Insurance Professionals to get covered today!