21 Sep 2017
Tips Give Back to the Community This Holiday Season

If you’re heading back to campus this fall, it’s time to make sure that you and your belongings are covered.

As you’re getting ready for college, you might be worried about your classes or stressed about making new friends.  However, the idea of someone ransacking your dorm room and stealing your laptop probably isn’t how you imagine your college experience going.  When you move in this fall, you’ll be bringing expensive things like laptops, tablets, phones, and speakers with you, so it’s best to make sure that they’re covered.  It is important to know that protection for your personal items differs depending on where you’ll be living this semester.

If you’re living in a dorm or other campus housing community, your property may be covered under your parents’ homeowners insurance policy.  Check with your insurance provider to learn about your policy’s personal property coverage.  Some policies may limit the protection they offer for belongings away from the home.  Additionally, some items, such as laptops, might have coverage limits, so it may be necessary to consider getting a supplemental policy.

If you are staying in off-campus housing, your parents’ insurance probably won’t cover your belongings.  You may want to consider opening a personal renters insurance policy to protect your property in the case of theft or damage.  An individual insurance plan will also typically provide liability coverage, which can cover you if you are found responsible for inflicting accidental injury or property damage.  Make sure you are aware of coverage limits, as you may need additional coverage for certain personal items.

While you’re running all over campus, the last thing you want to worry about is the safety of your precious belongings.  Make sure you understand your coverage and consider renters insurance to make sure you’re completely protected.  Remember to contact the friendly team at Patterson & Associates Insurance to get covered before heading off to school this year.