why your college student needs renters insurance
TRANSCRIPT
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Why Your College Student
Needs Renters Insurance
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What is Renters Insurance?
• Basically a personal property insurance policy that covers the property of the policyholder.
- Could be a student renting an apartment or house off campus or living in on-campus housing.
- If your student’s laptop gets stolen in the library or is damaged by a fire in their apartment it will be covered by a renters insurance policy.
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College is not only the first time young adults move out on their own, it’s also the first time that
they start to acquire their own
possessions
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• Items that are not easy to replace if they are lost, damaged, or stolen.
Computers, Furniture, and Other Electronics
Even if your homeowners policy
provides coverage for your college student’s personal property, it may only provide a
limited percentage of the value of the items
being claimed.
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Windstorm
Discharge of water
Hurricane damage
Flooding damage
Loss of use
Fire
Theft
Vandalism
Smoke damage
Lightning damage
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What Coverage Should Your College Student’s Renters Insurance Include?
- For college students, coverage is primarily for property protection to assist you in replacing those items.
- A typical policy would cover the following scenarios:
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- As with most insurance polices, filing a renters insurance claim starts with a phone call.
- It is important to keep records of your purchases by keeping a copy of the receipt and taking photos of your student’s belongings.
How Do You File a Renter Insurance
Claim?
WBR’s renters insurance is flexible, allowing you to select the coverages and insurance amounts that suit your needs.
- Meet with the professionals at WBR Insurance to find out what policies and discounts are available for you and your college student.
- For more information and a personalized renters insurance quote, give us a call at 757-340-0028 or visit our website www.WBRInsurance.com.
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