When you go off to college, there are many things that you need to invest in. College itself is an expensive place and whether you or your parents are paying for your experience, there are a lot of cash changing hands. To deal with this, many people try to save where they can and avoid spending money on things like school books or renters’ insurance. The truth is that you can actually save money by buying renters insurance if something were to go wrong.
In this article, we are going to tell you some of the reasons why you need renters insurance when you go to college. Keep reading to find out more about why this might be the case.
Accidents Happen
One of the most important reasons why you need renters insurance is that accidents can happen a lot more easily than you think. When you are away from home, you will find that you need to handle things alone and this is what makes accidents more possible. The good news is that with renters insurance, you can protect yourself from any of these accidents, depending on the level of insurance that you have. If you want to protect yourself from these kinds of accidents then you will need to have a solid policy. 
Colleges Are Rife With Theft
We all rely on our mobile phones and other electronic devices these days so what would happen if someone were to steal yours? At this point, you would be thinking that your Mom was right – you probably need renters insurance to protect you. According to experts college campuses are one of the 5 most common places for phones or laptops to be stolen and this is not ideal. You’ll find that theft takes up 42% of the criminal activity that takes place in colleges across the country.
If you want to protect yourself and make sure that you have cover if any of these things were to get stolen, you need to make sure that you invest in some renters insurance. When you are taking out a policy, you need to make sure that these kinds of items are covered as some providers might avoid this.
You’ll Likely Have Friends Over
Another great reason that you need renters insurance when you go to college is that you will be likely to have friends over. These are probably going to be people that you have recently met and this can be quite exciting. Of course, if you don’t know these people very well then you might find that they are not opposed to putting in a claim against you if they are to get injured in your property.
The good news is that some renters’ insurance policies will protect you if this happens, as long as the expenses are within your policy range. You’ll find that you can afford to pay for the medical bills as well as the damage that was caused to your property. This is definitely something to consider when you go off to college and make friends.
You Are Taking High-Value Items
The final reason that we think you might need renters insurance when you go off to college is that students often bring expensive items with them to campus. For example, if you were to play an instrument that your parents purchased for you as a gift, you might want to bring it with you to your new college apartment. This is great but it also comes with a lot of risks.
If you are planning on taking some high-value items with you to college then you should make sure to get an insurance policy that will cover it. You might need to declare this item separately on your policy application so this is something to consider.
Key Points
If you are planning on heading off to college next year then now is the time to start thinking about renters insurance. College students can easily fall victim to theft and this is something that you will want to manage accordingly. If you can find a policy that will cover all of the items that you are planning on bringing with you then you should be able to feel safe within your new home.
Make sure to consider all of the tips that we have given you and don’t forget to get that renters insurance policy that your mum told you to get!
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