🏠 Renters’ Insurance for College Students
Protect Your Stuff. Protect Yourself.
College is exciting—but accidents, theft, and unexpected surprises can happen. Renters insurance is an affordable way to keep your belongings (and your bank account) safe.
Why Renters Insurance?
- Covers Your Belongings – Laptop, phone, TV, clothes, bike… if they’re stolen or damaged, insurance helps replace them.
- Protects You from Liability – If you accidentally cause damage or someone gets hurt in your apartment, renters’ insurance can cover the costs.
- Helps with Living Expenses – If a fire or water damage makes your place unlivable, it can help pay for temporary housing.
Common Questions
🏘 Do I need it in a dorm?
Sometimes your parents’ homeowners policy covers you in a dorm, but usually with limits. Off-campus housing almost always requires your own policy.
👥 What about roommates?
Each person should get their own policy.
📱 Am I covered outside my apartment?
Yes! If your laptop or phone is stolen at the library, gym, or coffee shop, it’s usually covered.
Quick Tips
✅ Make a list of your belongings (with photos).
✅ Check if your parents’ policy extends coverage.
✅ Don’t wait until something happens—get covered before you move in.
Questions? Call Kristine Allard at 781-939-6852, or email her at kristine.allard@cabotrisk.com
