{"id":260,"date":"2016-09-15T15:53:31","date_gmt":"2016-09-15T21:53:31","guid":{"rendered":"http:\/\/www.martinsonagency.com\/blog\/?p=260"},"modified":"2016-09-15T15:56:37","modified_gmt":"2016-09-15T21:56:37","slug":"do-college-students-need-renters-insurance","status":"publish","type":"post","link":"https:\/\/www.martinsonagency.com\/blog\/do-college-students-need-renters-insurance\/","title":{"rendered":"Do College Students Need Renters Insurance?"},"content":{"rendered":"

Do College Students Need Renters Insurance?<\/strong><\/p>\n

September 15th, 2016\u00a0— Martinson Agency LLC — Chaska, MN<\/strong><\/p>\n

Parents will face plenty of stress when sending their kids off to college. The safety and security of college students’\u00a0personal items – including bicycles, computers and other, more expensive belongings – will likely come to mind, begging the question of whether or not to purchase a renters insurance<\/a> policy.<\/p>\n

It is worth noting that most home owner\u2019s policies extend some contents and liability coverage to family members away at school. However, the types of smaller, more likely losses that happen at college may also be less than many homeowners policy deductibles, potentially leaving families to self-insure such property. In addition, what might be covered in a college dorm might not be covered in an off-campus apartment rental. Your independent agent can help you navigate all the questions and options to ensure you have the information necessary to make the right decision.<\/p>\n

If possessions and personal liability are not going to be fully covered by your home owner\u2019s policy, you will need to weigh the cost of renters insurance against the benefits.<\/p>\n

Let’s break down the facts to help you to decide\u00a0how to proceed:<\/p>\n