Stay Protected On And Off Campus

female students in dorm roomMoving out on your own is an exciting time. Your own place, your own car—the freedom can be exhilarating. But with independence comes responsibility, and that can be stressful. Here’s what you need to know about insurance, from what your parents’ homeowners policy may cover to renters insurance and auto insurance.

Homeowners Insurance

When hauling laptops, iPads, and iPhones into your dorm room, start thinking about insurance. The number of insurable risks faced by college students has increased with the advent of new (and portable) technology.

Most homeowners insurance policies cover items like laptops, computers or other digital devices stolen from dorms. But it may not cover everything, especially if you live off campus, and there’s often a deductible. Before you move out, double-check your parents’ policy, and if needed, include items that are easily lost or stolen in their valuables policy, which often has no deductible.

Renters Insurance

Renting off campus? You may think you don’t need insurance, but think again: your landlord’s insurance typically doesn’t cover your personal property. So what happens if there’s a fire, theft, or flood? The responsibility falls into your lap. Without renters insurance, you’ve got zero coverage for personal property loss or damage. Luckily, the GEICO Insurance Agency can help you find an affordable renters insurance policy that protects your valuables.

Car Insurance

Students are always looking for cheap, affordable, but quality car insurance, and we’ve got you covered. Moving out? It may be time to get your own auto insurance policy. Here’s the good news: you can easily transition from your parents’ policy to your own policy with GEICO’s special Family Pricing Program, available in most states.

Liability Insurance

All that freedom can lead to lots of fun, but there are risks, too. For instance, what if a guest is injured in your apartment? Luckily, GEICO can find a renters insurance policy with liability protection, which covers injury to another person in your unit. Make sure you’re covered, to keep the good times rolling.

Did you know GEICO has Good Student and Good Driver Discounts? If you have been accident-free for five years or maintain a B average or better, you may qualify for a discount. Get a quote today and see how much you could save.

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  1. Annie Marks says

    I would agree that in the case of a disaster it is nice to know that your home is covered through insurance. That is smart to have adequate insurance on your home before an accident comes. That is awesome that home owners insurance even covers things like your laptop and television. Thank you for sharing!

  2. Jenkins Leroyson says

    I didn’t know that homeowners insurance covered so many things. I just moved out for college and you’re right, it can be a bit exciting! There are a lot of things that I’m not very familiar with, though! It looks like learning more about what that insurance does cover could do me some good! Thanks for sharing this.

  3. Paige Smith says

    This article is really applicable to me because I am a poor college student. I did not realize that renters insurance could cover so much. I will have to look in to that.

  4. Zach Potter says

    I am wondering what the benefits are of getting my own auto insurance instead of just getting what my parents have. I will have to do more research on this as this is the one that I am currently working on figuring out. Thank you for the information and tips as I am a new student with a lot of questions !

  5. Steve Holt says

    I’m really glad that I’m learning about this now that I’m starting school. I have a laptop, smartphone, and tablet that I rely on to help me get through school. It’s good to know that checking my parent’s homeowners insurance policy is best to find out if those things are covered. I’ll be living off campus in a dorm while I’m in college, so I need to know if my tech gear will be covered if they’re damaged. Thanks for the tips!