Does my college student need renters insurance?
Now that people know I am a licensed insurance agent, I am getting those pesky questions that are hard to answer right on the fly. I had one over the weekend from a friend who asked me like Alex Trebek does on Jeopardy!
Does a college student need renters insurance?
Umm — I stammer — first answer well “yes” — but wait a minute — what about the homeowners policy?
The discussion kinda went like this:
Can students or parents really afford renters insurance on top of all the expenses that come with going to school? Perhaps the better question is, can they afford not to? Considering the theft rates that plague college campuses, perhaps not. Whether you live on or off campus, there are several factors to consider:
If you like to throw parties, or hate doing chores.
Sure parties are fun, but what if someone gets hurt? Or if you put off shoveling the driveway after a storm, or cleaning up a spill, and someone slips and falls while visiting? You could be liable. Renters policies often cover that liability. So there you have it — a more complete answer to the question — Does a college student need renters insurance?
If you have a college student and they do not have renters insurance consider calling your agent today or call Herrholtz Insurance Agency at 440–527–0304 we will make sure your covered!