Living in an off-campus apartment is a popular housing option for many college students, as it comes with greater freedom and independence.
At the same time, however, an off-campus apartment that is not affiliated with a college or university can bring new responsibilities. Often, a parent's homeowners' insurance policy covers students living in dormitories, but once a student moves off campus it is a whole new ballgame. Renters' insurance, although not usually required, can be a necessity for college students. Renters' insurance not only can protect a college student's belongings — which often include expensive laptops, televisions and other valuables — but it can also provide liability protection in the event that someone is injured unintentionally on the property.
However, for many students, renters' insurance may seem like a foreign concept. Many think it is expensive, or maybe think it is unnecessary. With an agent's help, students and parents can measure their renters' insurance needs and explore various options.
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