Laura Lee Flatt

As a former TV News Reporter, I would often meet people in my community after something horrible had occurred—devastating fire, catastrophic accidents, sickness such as rare cancers in children, or the tragic loss of a loved one.

I decided to enter the insurance profession in 2003 so that I and my team would have the ability to proactively protect people from the risks of everyday life while also linking them with various tools to help map out their dreams and legacies.

Many College Students are Moving Into Apartments this month! Here are some Essential Insurance Tips:

1. Understand Renters Insurance and Why It Matters

• Renters insurance protects personal belongings against theft, fire, water damage, and more.

• It typically covers electronics, clothing, furniture, and other valuables inside the apartment.

• Many landlords require proof of renters insurance before signing a lease.

2. Check Existing Coverage

• Parents should check if their homeowner’s insurance policy extends some coverage to their college student’s belongings while away at school.

• If coverage is limited or insufficient, purchasing a separate renters insurance policy may be necessary.

3. Liability Protection

• Renters insurance often includes liability coverage, which protects students if someone is injured in their apartment or if they accidentally cause damage to the property.

• This coverage can help with legal fees or medical bills, providing important financial protection.

4. Inventory Valuables and Document Belongings

• Encourage students to create a detailed inventory of their belongings with photos or videos.

• This documentation can speed up claims in case of loss or damage.

5. Understand What’s Not Covered

• Some items like cars, expensive jewelry, or collectibles may require additional coverage or separate policies.

• Students should ask their insurance agent about any valuables that need extra protection.

6. Consider Additional Coverage Options

• If students bring a car to school, ensure auto insurance is updated with the new address and consider coverage for accidents or theft on campus.

• Personal property coverage can sometimes be added for items kept in storage units or vehicles.

7. Budget-Friendly Insurance Options

• Many insurance companies offer discounts for students or multi-policy bundles.

• Review quotes and make sure you're well protected.

Moving into a new apartment is an exciting milestone for college students. Protecting their belongings and financial security with the right insurance coverage can avoid costly surprises.

Contact our agency today to learn more about State Farm's renters policy that can be tailored to your needs and budget!