If you're like most college students, you probably haven't even begun to think about insurance or how you'd replace your valuable belongings if a natural disaster or thief strikes. Many students are under the impression that their landlord's home insurance policy will take care of it, or that the college will compensate them if they live in the dorm. According to Kramer-Myers & Werring-Dickerson Insurance, an independent agency based in Batavia, OH, most college students will need to get their own renters or home insurance depending on where they live.

Insurance Coverage For The Dorms

If you're living on campus and your parents have a home insurance policy, your belongings might be covered under an “off-premises coverage” clause and you're under 26 years old. However, the limits might be low, especially if you have valuable property, so talk with your agent to make sure your family's home insurance policy has the protection you need.

Living Off-Campus

If your parents don't have a home insurance policy or you live off-campus, you should consider purchasing a renters insurance policy designed to protect your belongings against a wide variety of risks. Your landlord's home insurance policy only covers the structure itself, so without renters insurance, you could find yourself paying for everything out of your own pocket if there's a fire, break-in, or other disaster. Despite the broad array of situations they cover and high limits, renters insurance policies are usually very affordable, allowing you to cover everything you own for just a few hundred dollars a year.

The insurance agents at Kramer-Myers & Werring-Dickerson Insurance have been providing high-quality products to clients throughout the area since 1960. As independent agents, they maintain a broad network of providers who offer some of the best policies and service in the industry, along with the expertise they need to help choose the best policy for you.

Visit their website to learn more about their insurance services, or call (513) 732-1461 to schedule an appointment and find out more about renters and home insurance policies. You can also find the company on Facebook.