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Dorm Students Take Risk Without Renters Insurance

College students who live in dorm rooms often erroneously assume that their possessions are protected by the university housing’s insurance.
December 19, 2012

College students who live in dorm rooms often erroneously assume that their possessions are protected by the university housing’s insurance. Renter’s insurance protects students' personal possessions against damage or loss caused by fire, smoke, windstorm, theft, vandalism, riot, civil unrest, and much more, according to the National Association of Insurance Commissioners. It can also protect policyholders from liability in case someone is injured while on their property during a party or other occasion.

Jody Van Leuven, a manager in the Insurance and Risk Management office at California State University at Northridge, said students do not think about it so there is not enough awareness for how insurance can protect them. “Today, you have computers, game systems, tablets, TVs and many other technologies that can be very expensive, and replacing them can cost you,” Leuven said. “We all know insurance is boring to understand, but when you need it, it’s great.”

Dorm Students and Insurance (CSUN Daily Sundial 12/4/12)

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