For students who attend Ohio University, in Athens, Ohio, dorm life can be a real treat, and a good halfway step between life at home and life “on your own.” But once you hit your Junior year or so you will likely find yourself living in an apartment, perhaps one of Ohio University’s sanctioned rental agents, and you may want to look into getting Renters Insurance to protect your belongings.
Renters Insurance Covers You from Loss
Most Ohio University Students, and Hocking College students for that matter, (because we do extend our programs to Hocking and residents of Nelsonville, and Renters Insurance Logan Ohio as well), can take advantage of coverage for as little as $15-$20 per week!
Most typical Renters Insurance policies cover loss from fire, damage, theft or other types of damage. You may think you don’t have enough cool stuff to warrant Renters Insurance, but trust me, if it all went up in smoke, you’d realize you did. Replacing your valuables will take the edge off the pain of loss, that’s for sure.
Why College Students Especially Benefit
Going to college and earning your degree is hard enough, but imagine your new room mate wakes up and lights up and burns your apartment complex to the ground… including all your stuff… (don’t worry, this is a hypothetical situation, no one was harmed with this imaginary plot). What then? With Renters Insurance Athens Ohio you can rest assured your material goods can be restored.
It’s important when getting a good start in life that students are exposed to the economics of the insurance world as well, and Renters Insurance is a good way to introduce them to the benefits (expenses, etc.) as many do not yet own a home or car.
Added Bonuses
Besides the obvious benefit of having your goods restored to you after a fire or theft, most Renters Insurance policies will cover any liability you may incur with guests to your apartment, so if you have visitors and one takes a fall, you are often in the clear. Another type of incident it covers you may not immediately think of is vandalism.
Renters Insurance & Personal Property
So may ask yourself, “does renters insurance really cover everything in my apartment?” Let’s walk you through this itemized list of which items the average college student has in their apartment. Personal property may include: computer, laptop, iPad, smartphone, expensive college books, clothing, shoes, etc. Typical minimum coverage is $2,500 worth for personal property. You can have additional coverage if needed for more expensive items such as collectibles, jewelry and outdoor gear like surfboards, skateboards etc. Although, we highly doubt you’ll be lugging around your childhood comic book collection off to college or packing that fancy necklace… but just letting you know!
Save Money on Renters Insurance
Did you know that renters insurance is super affordable? Especially when you have a good agent to provide you with multiple types of insurance (car, life, travel, home and renters insurance are just some of the few we offer), the more the merrier! When you invest in protecting your largest assets and investments, a bundle can come a long way for saving thousands of dollars per year in insurance fees. Depending on your driving history, place of residence and on the type of insurance coverage you need, renters insurance Athens Ohio can actually be as low as $15 a month. Within one year, you could pay an average of $180 on renters insurance which protects expensive personal belongings and items which are valued at thousands.
Enjoy our Erie Insurance video below on the topic and contact us with any questions you may have.