Protect Your Stuff While You Chase Your Degree
This week, I wrote a renter’s insurance policy for my daughter, who is just starting her junior in college. Like many parents, I’ve watched her accumulate the essentials of college life: a laptop, clothes, furniture, kitchen supplies…. Writing her policy reminded me that renter’s insurance isn’t just another lease requirement.
Renter’s insurance is a simple way to protect the things she’s worked hard for and give both of us a little more peace of mind.
Renter’s Insurance 101
Hope Isn’t a Plan
Skipping coverage may seem like a way to save money, especially when college already comes with a bananas amount of bills. HOWEVER, if a theft, fire, or accident happens, replacing everything (or paying for damage caused by the student) can be far more expensive than the policy itself. One laptop, instrument, or camera can represent a significant financial loss. Renter’s insurance helps protect against those unexpected costs, and it may be required by the lease.
Hoping nothing happens is not quite the same as having a plan.
Coverage Made Easy
Getting renter’s insurance is usually easy, quick, and inexpensive. You’ll generally need basic information about the rental, the people living there, and the coverage you want. In many cases, a policy can be quoted and issued the same day and for the price of a large value meal at Mickey D’s. Making sure they have a local agent guarantees a person (and not an auto-service) that can answer questions and help when needed.
A local insurance agent will do the work so you don’t have to.
I’m a college mom and local agent, which is the perfect fit because I understand both sides of the conversation.
I’m a real person who knows the questions parents and students have, and I’m easy to reach when those questions come up.
I’m happy to explain the coverage, help compare options, and make the process simple. You can text, call, email, message me on social media, or stop by my office.
Renter’s insurance may not be the most exciting part of college life, but protecting your student’s belongings and future is definitely worth a conversation.
