School dorm renters insurance

Discussion in 'Community Discussion' started by tigres, Aug 24, 2014.

  1. tigres macrumors 68040

    tigres

    Joined:
    Aug 31, 2007
    Location:
    Land of the Free-Waiting for Term Limits
    #1
    Hey all,

    Need some pointers who have purchased renters insurance for college dorms.

    My son will be attending as a freshman, and he has items I want covered. For instance: iphone, MBP, a fixie bike, clothes, monitor etc.
    I know my homeowners will cover, however my deductible is 1k and I don't want a claim for a stolen bike worth 1k.

    Now, I have done some investigation on this and have found for 200 a year and a $25. Deductible gives him about 8-10k in coverage for a year- carte blanc. It even covers damage to iPhones, computer. Etc.

    Is this coverage to good to be true, or is it legit.

    Has anyone purchased such, or even had to file a claim on such a policy?
    I am considering this company http://www.collegestudentinsurance.com

    Thanks for any guidance, appreciate it.
     
  2. dukebound85 macrumors P6

    dukebound85

    Joined:
    Jul 17, 2005
    Location:
    5045 feet above sea level
    #2
    200 for renters insurance seems kinda high actually

    I paid about 125/year for insurance that covered 20k of belongings

    Why not go through the same company that gives you your home insurance?
     
  3. tigres thread starter macrumors 68040

    tigres

    Joined:
    Aug 31, 2007
    Location:
    Land of the Free-Waiting for Term Limits
    #3
    Thanks dukebound,

    I am with liberty mutual and they don't offer it; called them first.
    Do you recall who you went through? I am not going to pinch penny's on this one, I just want a reputable policy. I like the damage coverage as well.

    Thanks
     
  4. rdowns macrumors Penryn

    rdowns

    Joined:
    Jul 11, 2003
    #4
    IIRC, State Farm offers a college rental plan.
     
  5. samiwas macrumors 65816

    Joined:
    Aug 26, 2006
    Location:
    Atlanta, GA
    #5
    I didn't even realize there was such a thing as college dorm insurance.

    Of course, I think there's pretty much everything insurance now, so it's not surprising. Did this even exist in 1993?
     
  6. Menel macrumors 603

    Menel

    Joined:
    Aug 4, 2011
    Location:
    ATL
    #6
    School dorm renters insurance


    Renters insurance has existed for ages.

    ----------

    Get him started with whoever, try calling homeinsurance.com, get a range of quotes on renters ins from legitimate agencies. Let him put in his name. First step to being a big boy.
     
  7. samiwas macrumors 65816

    Joined:
    Aug 26, 2006
    Location:
    Atlanta, GA
    #7
    Yes, I know that...for apartments and houses. Just never occurred to me that dorms would fall under that. I don't see why not...just never heard or thought of it.
     
  8. dukebound85 macrumors P6

    dukebound85

    Joined:
    Jul 17, 2005
    Location:
    5045 feet above sea level
    #8
    Mine is through geico

    I am unaware how a dorm plan is different than a standard renters policy though.
     
  9. chabig macrumors 68040

    Joined:
    Sep 6, 2002
    #9
    Renter's insurance is for anyone who doesn't own the place where they live. That's all.
     

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