Monday, 31 August 2015

Should University Students Get Contents Insurance?

It’s that time of year where the air gets crisper and the streets are alive again with buzz of new and returning students engaging in collegiate chatter while running around trying to get settled before the semester officially begins. While students register for classes, gather their course materials or catch up with friends over coffee, it may be easy to forget all about insurance for their valued contents. Whether one lives in a dorm or is renting a room or an apartment, holding insurance for their computers, laptops, sound systems, TV, etc., is a sure way to attain a peace of mind that they're covered no matter what life throws their way.

Why get contents insurance?

Did you know your landlord’s insurance does not cover your belongings in the event of an insured loss such as fire or water damage? You would be responsible for replacing all your lost items including clothing, electronics, furniture, etc.

Contents insurance for students is very affordable and can help protect you against unpredictable events such as theft, vandalism, fire, water and even flood damage. Many students are on tight budgets during the school year, and a loss of a laptop or smart phone could be devastating. That’s where insurance kicks in. Insurance is here to protect you for losses that are too large to cover on your own.

Who can get contents insurance?

Anyone who is renting a dwelling such as a dorm room, house, apartment or condo is eligible for contents insurance. Students receive special rates with Sharp Insurance.

What else does contents insurance cover?

Your contents or tenant’s insurance will cover you for any stolen items while you are at home or travelling anywhere around the world. It will also cover you for damages due to fire, wind, hail, theft, vandalism and now, you can opt to have flood coverage!

You are also covered for liability for up to  1 million or 2 million depending on your insurance package. Liability protects you in the event you accidentally cause damage to your unit or building, for example: you leave your curling iron on and cause a small fire; you would be responsible for damages to the building and other tenants. In this case, your insurance policy will kick in to cover these damages.

You also have liability for your actions. Say you’re playing baseball with your friends and hit a passerby with the ball; your policy will cover medical expenses and will defend you in the event you are sued for your actions.

Are you interested in getting an insurance quote for your contents? We are more than happy to help, click here to contact us.


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