With The New Year And The New Semester, Do You Have College Renters Insurance?
As we approach the turning of the new year, and wonder what it will bring, we know that it will bring a new term for college students. One student asked us recently if she needed Oakland, CA Renters Insurance as a college student, since she didn’t own much that was worth protecting. A few words helped her realize just how important college student renters insurance is.
Textbooks are covered against fire, theft, and many other losses.
It’s not just textbooks, of course. But in some cases those books may collectively be the most valuable thing that a student owns. They’re difficult to replace after the start of the semester, in many cases, and you can’t afford to be without them – the cost of that is even higher. But student coverage entails more than just your textbooks and personal property.
If you have college renters insurance, your things are certainly protected. With thousands of dollars of replacement cost coverage, you’ll be protected if there’s a loss to your computer, your textbooks, or other things you own. You’ll be able to buy new items – even if your couch is a hand-me-down, you still have to replace it and you’ll want to buy a new ones. That’s where replacement cost coverage comes into play.
In addition, college renters insurance includes loss of use coverage. If there’s a covered loss such as a fire or a burst pipe, you won’t be able to use your apartment or dorm room for a few days, at minimum. When that happens, you’ll need to go somewhere else. Often as a student, budgets are tight and hotels in and around Oakland are expensive. Loss of use is an important way to protect yourself on renters insurance in college, because it pays for the hotel and other additional living expenses after that loss. Most students can’t do that out-of-pocket, and that’s why the coverage is there.
There are additional types of coverage that are part of renters insurance for college students, as well. You’ll get liability coverage that helps you make good on damages caused by your negligence so that you don’t have to pay for the loss for the rest of your life. It also gives you a defense against that claim, as well which saves you a great deal of money. As a college student renters insurance protects you in a wide variety of ways.
It’s easy to get protected, too. Effective Coverage offers online renters insurance quotes in just sixty seconds. You can be covered in less than the time you spent reading this article! To learn more, or to get the coverage you need to protect yourself as a student, just call (800)892-4308 or click to get covered - whether you need Oakland renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
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Photo Credit: CollegeDegrees 360 Student CC BY SA 2.0