How Renter’s Insurance Protects College Students

Protecting your college student in Berlin, CT requires taking many steps that you might not have considered. For example, renter’s insurance is an excellent option for when they move out of the house to their first apartment. We at Bogden Insurance Agency can help you understand why these policies are so critical.

What is Renter’s Insurance?

Renter’s insurance is a policy type that people renting a home can purchase to cover anything within their living environment. It covers only things that they own and not the building itself or any appliances that the homeowner installed for them to use.

The nice thing about these policies is that they’re typically designed to be fairly inexpensive and easy to use, meaning that your college student may pay for one without breaking the bank. Just as importantly, these policies can help to protect them from various types of serious loss.

How It Helps College Students

Renter’s insurance can protect your college student by covering all their items inside their apartment. While the apartment or house owner’s policy will protect the building, it will do nothing to protect anything that your college student owns, which could lead to a total loss for them.

As a result, renter’s insurance is a great option that can minimize their potential loss if the house burns down or is otherwise destroyed. For example, a renter’s insurance policy can replace things like computers, video game consoles, and even study guides if you itemize them in your coverage.

Finding a Great Policy

Are you interested in a renter’s insurance policy for your Berlin, CT college student? Then please contact us at Bogden Insurance Agency right away to learn more. These policies are often very inexpensive and can be added to your coverage option fairly easily.

Debunking Renters’ Insurance Myths in Connecticut

When you are a renter in Connecticut, you have valuables and risks as well as any homeowner does. The solution for that is renters’ insurance. Yet many renters in Connecticut don’t get insurance because they convince themselves that it’s not worth the bother.

At Bogden Insurance Agency, we want renters in Berlin, CT to feel secure about their home and their belongings, like anybody else would. We can help you debunk those myths and help you to feel more informed about what your renters’ insurance would really cover.

You Have Valuables

Just because you don’t own your home or have a mortgage, doesn’t mean that you don’t have contents worthy of insurance protection. You have valuables. If you have a phone and a laptop, you have contents that would financially impair you if they were damaged or stolen.

Your furniture has a value as well, even if you don’t think it’s worth anything. These valuables are worthy of renters’ insurance.

You Can Cover Problems at Home

You might be able to cover damages at home if a problem crops up, but why do that if you don’t have to. That is what insurance is for. If there is a liability in your home, such as an accident or injury to someone else, your renters’ insurance will pay for that.

At the same time, if you lose or damage belongings when you are not at home, your renters’ insurance will cover that as well. If you are traveling for example, and your laptop gets stolen, renters’ insurance will cover that.

It’s Too Expensive

It really isn’t. You will complain more about your food bill than you will your insurance bill on this one. It will never hurt for you to crunch the numbers here. Renters’ insurance will always be less expensive than a new laptop or medical payments for an accident in your home.

Get a Quote

At Bogden Insurance Agency, we know that when you are a renter in Berlin, CT, your valuables are valuable. So is your income. You can’t risk a big medical claim any more than the average homeowner can. Call us for a quote for renters’ insurance today.