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1. Protection of personal belongings: Renters insurance provides coverage for personal belongings damaged or stolen in the event of theft, fire, or other unexpected events. With the high risk of theft and damage in college environments, renters insurance can be helpful, especially in Ithaca, known for its cold weather and the occasional natural disasters like the 2019 flash floods that affected students living off-campus.

2. Liability coverage: Renters insurance can provide liability coverage if someone is unintentionally injured or causes damage to someone else's property while they are on campus or in their apartment. With so many social events and gatherings happening in college, having renters insurance can provide peace of mind and protect the finances of the student.

3. Affordable cost: Renters insurance is generally affordable, with premiums averaging around $15-$20 a month for basic coverage. For students on a tight budget, it can be a wise investment that saves them money in the long run.

• Theft & Fire Protection. For your laptop, bicycle, cell phone, etc.
• Homeowners Insurance Alternative. No credit checks and a lower deductible.
• Worldwide Coverage. Your belongings are covered anywhere in the world.
• Liability Protection. Coverage if you accidentally damage your place of residence.
• Replacement Cost. If your old property is stolen, we’ll pay for the new version.

If your laptop or other valuables are stolen or damaged due to a covered reason, your school or landlord is not responsible for replacing them. College Parent Central has partnered with GradGuard to offer college students GradGuard’s College Renters Insurance to protect their property on campus and around the world.