Renters Insurance for Texas Tech Students: A Simple Guide

Heading to an off-campus apartment near Texas Tech? Renters insurance is one of those things that's easy to overlook — until your laptop gets stolen or a kitchen fire damages your stuff. The good news: it's one of the most affordable policies you'll ever buy, often just a few dollars a week. Here's what students should know.

What renters insurance covers

• Your belongings - electronics, furniture, clothes, and more protected against theft, fire, and certain water damage, even when you're away.

• Liability - if someone's hurt in your apartment or you accidentally damage the unit.

• Additional living expenses - a place to stay if a covered event makes your apartment unlivable.

Doesn't my landlord's insurance cover me?

No — and this trips up a lot of students. Your landlord's policy covers the building, not your personal belongings or your liability. Only your own renters policy protects your stuff.

What about my parents' policy?

If you live in a dorm, your parents' homeowners policy may extend limited coverage to your belongings. But once you move into an off-campus apartment or house, that coverage is often limited or doesn't apply. Many off-campus students get their own affordable policy for full protection.

Do I really need it?

Many Lubbock apartment complexes actually require renters insurance in the lease. And even when it's optional, the low cost makes it well worth it. Add up what it would cost to replace everything you own — most students are surprised.

Getting covered is quick

You can usually get a renters policy in place fast and affordably. We'll help you find the right amount of coverage without overpaying.

Protect your stuff for less than you'd think. Get a quote or call 806.705.7141.