As college students across the country head back to campus, there’s a lot to think about: class schedules, textbooks, roommates, and maybe even your first apartment. But one critical item often slips through the cracks: renters insurance.
If you’re renting an apartment or living off campus, your landlord’s insurance typically covers only the building, not your personal belongings. That means if your laptop is stolen or a fire destroys your furniture and clothes, you could be left replacing everything out of pocket.
📊 Did you know? Recent data shows nearly 60% of renters in the U.S. don’t have renters insurance *. This leaves many financially vulnerable to theft, fire, water damage, and more (Insurance Information Institute).
Renters insurance is a surprisingly affordable way to protect your possessions. It can include:
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Temporary living expenses if your rental becomes uninhabitable
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Liability coverage if someone is hurt in your space
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Accidental damage protection in case you unintentionally harm the rental property
Policies usually have both an overall coverage limit and a maximum amount for individual claims. It’s important to review what’s included. Also, renters insurance typically doesn’t cover your vehicle, even if it’s parked on the property.
At Gibson Insurance Agency, we offer renters insurance throughout Northeast Ohio and in 48 states. If you or your student are heading back to school, let us help you find the right coverage for your lifestyle and peace of mind.
This content is for educational purposes only and does not constitute insurance advice. Please contact a licensed agent at Gibson Insurance Agency for personalized guidance and information regarding renters insurance.
* Insurance Information Institute. (n.d.). Facts + statistics: Renters Insurance. 2025
