GEICO says renters insurance passes the test for college students

Washington, D.C., October 01, 2016 – The dust has settled and classes are back in session for most college students. If you are living in a dorm room or renting your own place off campus, the GEICO Insurance Agency suggests that you might want to study up on renters insurance.

"Most college students typically bring expensive items such as laptop computers, video gaming systems and Smart televisions to school," said John Zinno, president of GEICO Insurance Agency. "Renters insurance protects you from having to pay out of pocket* to replace your stuff if it's ever stolen, vandalized or damaged in a fire."

Zinno noted that college students living on campus may be covered under their parents' homeowners or renters insurance policy. Some insurance policies do offer limited coverage protection for students living in an apartment or dorm at school. He goes on to suggest that it's wise to have a good understanding of your policy options and coverage limits for personal property to protect yourself from risks.

The same scenario isn't true for college students living in an apartment or sharing a house. You will most likely have to get your own renters insurance to protect your property and personal belongings. Most landlord policies only cover the basics, which includes the building structure, loss of rent and liability protection for the building's owner.

For an affordable price, renters insurance provides multiple coverage options for personal property, liability, medical payments, coverage for living expenses when your home is not fit to live in due to a covered loss, and optional coverage for more valuable items.

"It's important that students keep an estimate on hand stating the value of their items if they ever need to be replaced," said Zinno. "It's all about protecting your personal property and limiting your financial risks."

*Loss payout may be subject to the deductible on the policy. For more information on renters insurance, please visit

GEICO (Government Employees Insurance Company), the second-largest auto insurer in the U.S., was founded in 1936 and insures more than 28 million vehicles.

To make changes, report claims, print insurance cards and purchase additional products, policyholders can log into their car insurance policy, connect via GEICO Mobile, phone or by visiting a GEICO local agent.

Homeowners, renters, condo, flood, identity theft and life coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. Commercial auto and personal umbrella coverages are also available.

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