If you’re like many parents in Kingwood, WV, you have sent your young adult to college loaded with electronics, bedding, towels, and personal belongings. Most likely, you hope that they don’t destroy or lose those items. Yet you may not have considered getting a renters insurance policy to cover any losses. Smith Insurance Agency of West Virginia can set up an economical policy for your student.

University Insurance Only Covers Building Structures

University insurance typically only covers the buildings where your student attends classes, as well as dorms. Loss of personal belongings due to theft, fires, or other perils is the responsibility of students and their families. You may be surprised by this, but if you read your student’s housing contract, you’ll find it in the fine print.

Your homeowners insurance policy may cover your student’s belongings, but it most likely has limits on the amount of coverage. Electronics are expensive, so you may end up paying for those losses out of pocket. A better solution is to get a renters insurance policy for your college student.

What Renters Insurance Provides

A renters insurance policy covers personal belongings and liability. Accidents can happen anywhere, especially in shared living spaces. If someone sustains an injury in your student’s dorm or on-campus apartment, liability coverage can help pay for the resulting medical bills, repairs, and legal fees. It also applies if your student accidentally causes damage to the living unit. Sometimes incidents make a dorm or apartment uninhabitable. A comprehensive renters insurance policy can cover temporary housing and necessary living expenses while repairs are underway.

Whether your student lives in a dorm or off-campus, consider a renters insurance policy for peace of mind. Contact Smith Insurance Agency of West Virginia, serving residents of Kingwood, WV, to secure your coverage.