Renters insurance for college students

College is an exciting chapter in life—full of new experiences, academic growth, and a big step toward independence. But with this newfound freedom comes new responsibilities, especially when it comes to protecting your personal belongings.

Whether moving into a dorm room or your first off-campus apartment, students often bring thousands of dollars’ worth of items: laptops, phones, bicycles, furniture, textbooks, and clothing. But what happens if those items are stolen, damaged, or lost? That’s where renters insurance becomes essential.

At EPB&B Insurance, we want to make sure Oregon families and students are prepared for whatever college life throws their way. Here’s why renters insurance is a must-have for college students:

 1. Protection Against Theft

College campuses and student housing can be hotspots for theft. Whether you’re in a secure dorm or renting off-campus, your items are still at risk. Renters insurance provides coverage for your belongings if they’re stolen—whether it’s a laptop swiped from your room or a bike stolen from outside your building.

 2. Coverage for Damaged Belongings

Dorm and apartment life aren’t immune to mishaps. Imagine a burst pipe flooding your room, damaging your electronics, textbooks, and bedding. Or a kitchen fire that ruins your belongings. Renters insurance helps cover these unexpected losses caused by events like fire, smoke, vandalism, or water damage (excluding flooding)—so you don’t have to replace everything out of pocket.

 3. Liability Protection

Renters insurance goes beyond your belongings. It also includes liability coverage. If a visitor is injured in your dorm or apartment, or if you accidentally damage someone else’s property (like starting a fire that spreads), your policy can help cover medical bills, legal fees, and repair costs. This protection is particularly valuable for students with roommates or those who host friends and gatherings.

 4. It’s Surprisingly Affordable

Think renters insurance is expensive? Think again. Most policies are a small price to pay for the peace of mind that comes with protecting thousands of dollars’ worth of personal property. For the cost of a pizza night, you can safeguard your electronics, textbooks, clothes, and more.

 5. Parental Homeowners Insurance May Not Fully Cover You

Some students assume their belongings are covered under their parents’ homeowners’ insurance. While some policies may extend limited coverage to students living in dorms, those living off-campus are often not covered. Renters insurance ensures your possessions are protected wherever you live—without relying on uncertain policy extensions.

 Bottom Line: Don’t Head to Campus Without It

College life comes with enough surprises—don’t let a stolen laptop or flooded apartment be one of them. Renters insurance provides reliable and affordable protection for your belongings and liability, offering both students and parents peace of mind.

If you or your college-bound student is getting ready for move-in day, let the team at Elliott, Powell, Baden & Baker Insurance help you find a renters policy that fits your needs and budget. We’re here to answer your questions and make sure you’re protected—on and off campus.