College students bring a lot of their belongings with them when they go off to college. And the things they own, like their laptop, smartphone, gaming system, TV, bike, kitchen appliances, furniture, musical instruments, and college textbooks, can easily be valued at thousands of dollars if not more.
If you are a college student, have you thought about what would happen if your valuable belongings were damaged or stolen? What if a fire breaks out in your dorm room or rented apartment? Can you afford to replace the damaged property yourself? We know that losing your possessions in a disaster is always stressful, especially if you can't afford to replace them. One of the best ways to protect your things and yourself from these stressful situations is to get renters insurance.
Finding renters insurance that fits your needs and budget is easier said than done. NSSI understands the challenges you face while at college, so we've designed an affordable and customizable Renters Insurance for College Students that can provide the comprehensive coverage you need as a college student. Whether you live in a college dorm or rented apartment, condo, or house, it's always a good idea to have some financial security and be prepared if the unexpected happens.
What does Renters Insurance for College Students cover?
Renters Insurance for College Students protects your personal property from covered damage or theft. Also, it includes liability coverage that protects the housing owner's property when damage occurs during a covered incident, such as fire, water damage, smoke, or explosion. If a covered incident happens, Renters Insurance will cover the costs to replace or repair the property.
Let's see what NSSI Renters Insurance for College Students offers.
Property Damage Liability
Renters Insurance covers damages to your college dorm, landlord's apartment, or neighbor's property. So, for instance, if your stove catches fire and damages the kitchen countertops or cabinets in your rental unit, or a bathroom flood damages the flooring or the neighbor's things on the floor below you, your Renters Insurance will cover the damage. All you have to do is file a claim and pay a small deductible, and we will take care of the rest.
Renters Insurance protects you from personal liability if someone gets injured in your dorm room or rental unit. Imagine your dog bites a guest. Or you host a party, and one of your guests slips and breaks a leg. Or someone gets hurt from falling down the stairs. You may be held liable for their injuries in all of these scenarios. But, if you have Renters Insurance, it will cover medical costs for other people's injuries and all legal expenses for any ensuing lawsuits.
Personal Property Protection
This covers the things you own, like your TV, furniture, small appliances, bike, musical instruments, or textbooks, in the event of a fire, water damage, or theft in your dorm room or rental unit. So, if a fire damages your furniture or someone steals your bike or laptop, your renters insurance will cover the costs to repair or replace your things.
Accidental Damage Coverage
As an added perk, NSSI Renters Insurance for College Students has an option for accidental damage coverage, usually excluded from other renters insurance policies. With NSSI accidental damage coverage, if you spill coffee on your laptop or drop your phone and crack the screen, you can rest easy knowing that you're covered! You can protect all your devices from everyday mishaps, so you don't have to pay much out-of-pocket to repair or replace a damaged device. We provide coverage for all makes and models of personal devices – new, used, refurbished, rented, or owned.
Other benefits of NSSI Renters Insurance for College Students
Low deductibles and unlimited claims
Replacing your property can be pricey without insurance. NSSI Renters Insurance comes with a small price, especially compared to the potential costs for repairing or replacing damaged or stolen items when disaster strikes. Once your claim is approved, we will reimburse you for what it costs to repair or replace your things. And one of the best things is that NSSI Renters Insurance has low deductibles and unlimited claims!
You can add a roommate
If you live with a roommate in your dorm room or rented apartment, you can add a roommate to your Renters Insurance policy – at no additional cost!
You’re covered wherever you go
We can help you ensure your belongings are safe even if you are studying abroad. So, wherever you rent, your Renters Insurance coverage goes with you. And we can also cover your things no matter where they are – in your garage, basement, or storage unit!
If you are a college student or a parent and are interested in buying NSSI Renters Insurance, you can get a FREE quote at www.nssi.com/renters
If you represent a college, university, or provide student housing and would like to offer NSSI Renters Insurance to your students, you can request FREE NSSI brochures at: www.nssi.com/education
NSSI Renters Insurance for College Students is an easy and affordable way to protect yourself, your personal property, and your peace of mind throughout your college years.