Tuesday, November 20, 2007

Where to Get Cheap Renters Insurance for College Students!

If you're a college student renting an apartment or a house while you're at school you need to have renters insurance to protect your personal property, and to protect you from a lawsuit if someone were to hurt themselves in your residence and sue you. Here's how to get cheap renters insurance for college students.

What does renters insurance cover?

Your personal property - Renters insurance will pay to replace your personal property - clothing, computer, electronics, furniture, textbooks, etc. - when they're damaged or destroyed by fire, vandalism, plumbing leaks, explosions, or acts of nature.

Personal liability - Renters insurance will pay for medical expenses and legal fees when you unintentionally injure someone, or they're injured in your residence.

Additional living expenses - Renters insurance will pay for your additional living expenses, such as hotel, motel, or restaurant bills, when you're residence is being repaired because of a fire, vandalism, plumbing leaks, explosions, or acts of nature.

How much does renters insurance cost?

Renters insurance is relatively cheap for what it covers. A basic renters insurance policy costs anywhere from $15 to $20 a month for $20,000 worth of personal property coverage plus $100,000 worth of liability coverage.

Where can I get cheap renters insurance?

In order to get cheap renters insurance you need to compare rates from a number of different companies. Thanks to the Internet you no longer have to call local insurance agents to get rate quotes. You can now go to an insurance comparison website, spend a few minute filling out a simple form with your insurance information, and get rate quotes from multiple insurance companies. Once you get your quotes you can compare them and choose the cheapest one.

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