<p>I seem to recall that back when I had rental insurance it included coverage for damage to the rented premises…as alwaysamom suggests.</p>
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<p>Here’s coverage available from one major Insurance Co. So, you can get a renters policy that covers personal injuries to others. See coverage L and M</p>
<p>I would imagine it’s good to have liability insurance if, God forbid, someone leaves your apartment drunk and the unthinkable happens. Not to mention any other risky behavior that might occur while entertaining in one’s apartment. Yikes.</p>
<p>Researching renter’s liability info…Any experience? If someone is injured–say falls down the stairs or slips on the wet floor or trips on the rug at DDs off-campus house–and there is no renter’s insurance, can the injured come after the parents of the renters? Do All occupents of the house have to be covered on the policy? (There are 4 kids living together.) Our homeowner’s policy is adequate to cover valuables/computer, etc. but the proverbial light bulb is just coming on with regard to liability. Any experience? Not overly concerned about the drinking piece mentioned in the previous post, but suppose anything could happen.</p>
<p>Just got renter’s insurance for S who will be living off campus in September. In the dorm he was covered under our homeowner’s, but not for an off campus house. It was very reasonable - $110 per year for $15,000 for personal property with replacement cost, $3000 for loss of use of residence, and $300,000 for liability.</p>
<p>A quick note: if you claim on your homeowner’s policy, you will be screwing up your rating. Better to have a separate policy.</p>
<p>We checked with our homeowners insurance and they were not covered if renting an apartment or house off campus. We had to go through a local insurance agent near the school to get a policy, but it was easily accomplished over the phone. </p>
<p>One nice thing about having a local agent was when a son was pulled over, he was cited for no insurance because his name wasn’t on the insurance card (same company for auto). We were able to contact the local agent and he printed a document off with our son’s name on it showing coverage. I thought it bordered on harassment (against OOS student/vehicle), because proof of insurance is for the vehicle, not necessarily the driver.</p>
<p>We are slow learners. Son had his laptop taken Friday night. The thief took my son’s computer and his roommates computer. The 3rd roommate had a desktop and it was fine. They did leave my son’s digital camera and ipod. My son said they forgot to take the computer power cord! They filed a police report but they have no hope it will be recovered. Luckily my son had his big project on a zip drive. Professors are being understanding after seeing the police report. My son said of course it was one of the few times he did not lock the laptop to his desk.
Our homeowners will cover it with a $500 deductible. We should have gotten renters insurance. That is now a priority before we replace the laptop.
Has anyone installed the software that sends an email that tells you where the computer is being used? It is advertised on one of the insurance sites listed on page 1 of this thread. Has anyone filed a claim and successfully been reinbursed?</p>
<p>Nothing but good things to say about College Student Insurance (CSI). They quickly and cheerfully reimbursed us for the full cost ($1400) of my son’s laptop minus a $50 deductible when he accidentally damaged it last year with a liquid spill. They also provide a downloadable program to track a laptop if stolen, and will waive your deductible if you have downloaded it and your laptop is stolen. We’ve insured his personal property this year for his off-campus apartment – I think about $5000 worth for about $100 with a $50 deductible.</p>
<p>Jumping in late here - but make sure you have enough liability insurance. A family friend had their son burn down the place he was living in through carelessness - cigarette thrown in a garbage can. </p>
<p>Parents were sued and lost - and ended up paying for the repair of the apartment building to the tune of tens of thousands of dollars.</p>
<p>My DS recently moved into an apartment - we were able to add it to our homeowners policy.</p>