Most college students do not give renters insurance much thought till disaster strikes. However, renters insurance is more of a benefit to you than an expense. Since life is unpredictable, it would benefit college students in Commerce, GA, to have renters insurance. Hyman Brown Insurance Agency Inc. is here to help you understand the different types of renter coverage and their benefits.

Property Coverage

It helps cover all your items from computers, clothes, jewelry, books, furniture, and anything else you own. Losing any of these items can be devastating and set you back. However, with renters insurance, you are covered in case of a loss caused by a fire or water damage, or theft. Check your policy and see what is covered just to be prepared.

Liability Protection

If someone visits you and gets hurt, liability protection helps cover their medical bills. Also, if you accidentally damage the building, it will cover the repairs. In such circumstances, if you are forced to pay out-of-pocket, you may find it challenging, but with renters insurance covering such costs, you can relax a little.

Living Expense Coverage

You may be forced to move out because the apartment is undergoing repairs from a fire or water damage. This coverage helps pay for the expenses incurred on where you will have to stay temporarily. The expenses include the cost of a hotel and meals.

What is Not Covered

Renters insurance does not cover everything. For instance, if you are staying with roommates, they will need their own policies. Also, if you have a car, it is not covered under renters insurance. You will need separate auto insurance to cover damage to the vehicle.

With most college students trying to balance between school, jobs, and social lives, the last thing they should worry about is losing valuable belongings. If you are a college student residing in Commerce, GA, contact Hyman Brown Insurance Agency Inc. and enjoy the benefits that come with renters insurance.