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There are several reasons why LHU students should consider getting renters insurance:

1. Protection for personal belongings: Renters insurance provides coverage for personal belongings such as electronics, furniture, clothes, and other personal items. In case of loss or damage due to theft, fire, or other covered events, renters insurance can help replace or reimburse the cost of these items.

2. Liability coverage: Renters insurance also provides liability coverage in case someone is injured while on the renter's property. This can include accidents such as slip-and-fall incidents or pet bites. Without renters insurance, the renter may be responsible for paying for any resulting medical expenses or legal fees.

3. Affordable coverage: Renters insurance is typically inexpensive, with rates averaging around $15-$20 a month, depending on the coverage level. This makes it an affordable way to protect personal belongings and provide liability coverage.

4. Required by landlords: Some landlords may require that tenants carry renters insurance as part of the lease agreement. This requirement protects both the renter and the landlord, as it ensures that personal belongings are protected and that liability issues are covered.

Overall, renters insurance is a smart investment for LHU students living off-campus. It provides peace of mind and financial protection in case of unexpected events or accidents.

• 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.