{"id":98,"date":"2025-10-31T12:00:00","date_gmt":"2025-10-31T18:00:00","guid":{"rendered":"https:\/\/www.walker-insuranceservices.com\/blog\/?p=98"},"modified":"2025-10-22T11:05:16","modified_gmt":"2025-10-22T17:05:16","slug":"why-your-college-student-should-have-renters-insurance","status":"publish","type":"post","link":"https:\/\/www.walker-insuranceservices.com\/blog\/why-your-college-student-should-have-renters-insurance\/","title":{"rendered":"Why Your College Student Should Have Renters Insurance"},"content":{"rendered":"<p>If you have a college student in Fillmore, NY, you may have considered moving them to an on- or off-campus apartment. But what most parents don&#8217;t consider is a renters insurance policy to protect their student&#8217;s belongings. Walker and Associates Insurance Agencies Inc. can help you find the right policy for your college student.&nbsp;<\/p>\n<h2>Dorm Coverage<\/h2>\n<p>Accidents can happen, as well as fires and other mishaps. Although your homeowners policy may extend spatial coverage to your student&#8217;s belongings, buying a renters policy may prove to be a wise investment. By doing so, you&#8217;ll get greater coverage for the following:<\/p>\n<ul>\n<li>Items like laptops, electronics, and other personal belongings<\/li>\n<li>Additional living expenses if their&nbsp;dorm becomes uninhabitable<\/li>\n<li>High-value items like jewelry (with an add-on, or endorsement)<\/li>\n<\/ul>\n<p>College campuses often experience higher rates of theft. A renter&#8217;s policy provides a low-cost way to protect against this risk.<\/p>\n<h2>Apartment Coverage<\/h2>\n<p>Many students move to an apartment in their sophomore, junior, or senior year. While this living arrangement may be cheaper, it also comes with risks. A landlord&#8217;s policy won&#8217;t protect your student from damages due to a fire, theft, or water damage. For those risks, you&#8217;ll have to pay out of pocket for any losses. Most likely, your homeowner&#8217;s coverage won&#8217;t extend to off-campus housing. However, the bigger risk is liability. If your student causes damage or is responsible for an accident, you&#8217;ll be responsible for legal and medical bills without renters insurance. Many off-campus landlords also require renters insurance before signing a lease.<\/p>\n<p>Learn what renters insurance may apply to your student in Fillmore, NY. Contact the professionals at Walker and Associates Insurance Agencies Inc. to get started on a policy to meet your needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have a college student in Fillmore, NY, you may have considered moving them to an on- or off-campus apartment. But what most parents don&#8217;t consider is a renters insurance policy to protect their student&#8217;s belongings. Walker and Associates Insurance Agencies Inc. can help you find the right policy for your college student.&nbsp; Dorm [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[30,29,31,32,14],"class_list":["post-98","post","type-post","status-publish","format-standard","hentry","category-renters-insurance","tag-fillmore","tag-insurance","tag-ny","tag-renters","tag-walker-and-associates-insurance-agencies-inc-2"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/posts\/98","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/comments?post=98"}],"version-history":[{"count":1,"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/posts\/98\/revisions"}],"predecessor-version":[{"id":99,"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/posts\/98\/revisions\/99"}],"wp:attachment":[{"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/media?parent=98"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/categories?post=98"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.walker-insuranceservices.com\/blog\/wp-json\/wp\/v2\/tags?post=98"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}