“Back-to-School, Back to Coverage Insurance Tips for College Students and Parents – Renters Insurance”

You packed, moved, and decorated your college student’s room and living area and now they are settled into what could be their first apartment or dorm room experience. Finally, your student is at school and you are back home. While you probably worry about their personal safety, have you also considered the safety of their belongings? Here at Brockman Insurance Group, we offer renters insurance for your piece of mind.

What is renters insurance and what does it cover?

Renters insurance is a key piece of protection that protects your student’s personal belongings. This insurance typically covers personal belongings, liability for injuries to others or damage to their property.

Imagine this scenario: A fire starts in the apartment next door while your student is at class. The fire runs rampant throughout the apartment complex and causes major damage to the units. How would your college student be able to afford to replace their clothing, furniture, electronics and other personal items? Where will they live while their apartment is being repaired? Most importantly, how will they pay for their new temporary home? This is where renters insurance can help.

Renters insurance can replace their belongings: their clothes, furniture, electronics, and other personal items. This insurance coverage can also help with the cost of temporary housing or other living expenses if they can’t live in their current apartment due to damage such as a fire.

This policy also helps protect your college student. If the unforeseen happens and one of their friends is injured while in your son/daughter’s rental, this policy can help cover medical expenses, legal fees, and other costs that may be associated with a liability claim.

Limits of renters insurance:

Renters insurance does have some limits. There are a few areas that the policy does not cover. These include any damage to personal items due to an earthquake, flood, damage from pests, and mold. Also, damage to the structure of the building is not covered as well as any damage that is caused by your college student’s own personal negligence.

Cost and benefits of renters insurance:

Renters insurance is extremely important and should not be forgotten. The policy costs vary depending on the nature of what needs to be covered, location, deductibles, discounts and coverage limits.

Benefits of having a renters insurance policy include: having coverage for loss of personal property, having liability coverage in case something happens to someone else while in your college students’ rental, and it covers costs if your college student needs to seek temporary housing.

While a renters insurance policy is not required by law, it is highly recommended to protect your college student and their belongings.

Our team here at Brockman Insurance Group has over 30 years of insurance experience. Our agents are trained to help you find the best insurance policy for your needs. We invite you to contact us at our Altamonte Springs office, 407-644-9991. Our agents will be happy to discuss the coverage and cost of a renters insurance policy with you. We can write renters insurance policies for students attending the University of Central Florida, Florida State University, the University of Florida, Rollins College, Stetson University and all other universities and colleges in the State of Florida. Rest easy knowing your student and their belongings are covered.