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Hausmann Insurance & Financial Services Blog

Why College Students Need Renters Insurance

Going to college can be an exciting time. You can finally go off on your own and live your life. However, with that comes responsibility. You have to find a place to live and start acting like an adult. 

Part of that includes getting insurance. Here are some reasons why you should think about renter’s insurance. 

Your landlord may require it. If you live off of campus, your landlord may require you to have renter’s insurance to protect you (and him or her). 

It will protect your belongings. Many college students take everything they own with them when they go to school. This may include plenty of clothing, computers, printers, cell phones, and many other possessions that they can’t live without. If anything is stolen or damaged due to theft, fire, storms, and other disasters, renter’s insurance will cover these costs. That being said, if you have a lot of expensive pieces, you may need additional coverage. 

It also covers liability. If someone gets injured when they come to your apartment, you could be held liable for their medical bills. This can quickly add up, so you should have insurance to help pay for these expenses. If someone keeps something at your place, and it gets damaged, it will also cover those costs. 

Renter’s insurance will cover emergency housing. If your rental gets damaged, and you can’t live there for an extended period of time, your renter’s insurance will cover the costs of relocating until you can move back in. 

If you are unsure about whether or not you need renter’s insurance, don’t hesitate to contact us today at Hausmann Insurance & Financial Services serving Charlotte and Waxhaw, NC.