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Do College Students Need Renters Insurance?

Young woman and her mom packing boxes into a car, heading off to college Young woman and her mom packing boxes into a car, heading off to college

When students go off to college, they take a lot of their belongings with them. But what if their personal property is stolen, lost or damaged? Renters insurance for college students can help cover the costs to replace or repair their possessions when losses like theft, fire or other covered damage occur.

Renters insurance coverage helps protect students from losses in multiple ways. For example it:

  • Safeguards possessions: Renters insurance can help cover losses when personal possessions are lost or damaged due to fire, lightning, windstorms, hail, explosions, smoke or vandalism, or if they are stolen. Keep in mind that certain items like laptops, expensive jewelry or musical instruments may need additional coverage.

  • Covers liability: Renters insurance can help pay the costs associated with medical
    bills if a person who is not an insured injures themselves in the rental. It also helps cover the costs of damage that happens to another person’s property while they were in the rental unit.

  • Provides for emergency housing: Rental insurance can also help with additional living expenses if property damage due to a covered event requires the student to temporarily relocate while repairs take place.

College life brings new challenges — data shows that property damage and theft is fairly common during this stage. That’s why it’s important to understand the coverage limits students may have under their parents’ homeowners insurance policy when a student plans to live in a dorm. If the student plans to live off campus, they’ll want to get a renters insurance policy that provides the protection they’ll need.

Travelers renters insurance provides coverage for your personal property anywhere in the world. Some restrictions may apply, so talk to your Travelers representative or independent agent for details.

Renters insurance for college students is relatively inexpensive, especially compared to the potential cost to replace items that are important to students, like laptops, electronic devices, clothes, school supplies, furniture and other household items, should disaster strike.

Learn how Travelers renters insurance can provide peace of mind by helping protect your college student from the potentially devastating costs to replace their possessions should they be damaged or stolen.

Do You Need Renters Insurance for a Dorm Room?

If a student lives in a college dorm or other school-affiliated housing, they may not need renters insurance. Their possessions may already be covered under their parents’ homeowners policy. It’s important to check your homeowners policy to understand what coverage you may have for your child’s possessions in the dorm room.

Renters Insurance for Off-Campus Housing

If a student lives off campus in a non-school affiliated apartment or house, typically most landlords will require the student to acquire renters insurance as part of the lease agreement. That’s because the landlord’s insurance usually only covers the building, not the tenants’ possessions.

Even if renters insurance is not required by the lease, it can still be a very smart choice. Purchasing a renters insurance policy for a student who lives off campus is simple to do and relatively inexpensive.

Do Grad Students Need Renters Insurance?

Graduate students are generally not covered under their parents’ homeowners insurance, making renters insurance especially important. Typically, grad students don’t live with their parents and may be too old to be covered under their parents’ policy. They may be going out on their own for the first time and have little or no direct experience buying insurance. Get a quote online or contact your local independent agent or Travelers representative to learn more about renters insurance.

Learn More About Renters Insurance

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When it comes to protecting your belongings, as a renter, you may think you’re fully covered if you have renters insurance. Read on to find out in what ways your belongings may not be covered for theft.

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority # 6519; Travelers Property Casualty Insurance Company, Certificate of Authority # 6521. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. Boat and Yacht Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. All underwriting companies listed above are domiciled in the state of Connecticut and are located at One Tower Square, Hartford, CT 06183. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. Underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle Insurance, and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.