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The Smart Move: Why Dorm-Dwellers Should Secure Renters Insurance (2023)

Story by Lauren K.,

August 9, 2023 2:00 PM EST - Buffalo, NY

college dorm insurance

The transition to college marks a significant milestone in any student's life, as they

embark on a journey of higher education and newfound independence. Along with the

excitement of moving into dorm rooms comes the responsibility of safeguarding

personal belongings. While many students may not consider it a priority, obtaining

renters insurance is a wise decision that can offer much-needed peace of mind. In this

article, we'll delve into the reasons why students living in dorm rooms should seriously

consider getting renters insurance, with services provided by Encompass Agency.

Protecting Valuables

Imagine the unimaginable: a fire breaks out in the dorm, or a burst pipe damages your

laptop, textbooks, and other belongings. Renters insurance steps in to cover the

financial loss of damaged or stolen property. It's not just about the physical value.

Sentimental items like family heirlooms or personal mementos are often irreplaceable.

Encompass Agency understands the emotional significance of personal belongings and

offers comprehensive coverage to ensure students can recover financially from

unexpected losses.

Liability Coverage

Renters insurance doesn't just protect your stuff; it also provides liability coverage.

Accidents can happen, even in the safety of a dorm room. If you accidentally cause

damage to the property or someone gets injured while visiting, you could be held liable.

Encompass Agency offers liability coverage that can help cover legal costs and

potential medical expenses, saving you from potential financial strain.

Cost-Effective Solution

One common misconception among students is that renter's insurance is costly.

However, the truth is quite the opposite. Renters insurance is typically affordable,

especially when considering the potential cost of replacing valuable items or dealing

with legal liabilities. Encompass Agency understands the financial constraints students

often face and offers tailored policies to suit various budgets.

Coverage Away from Home

Renters insurance doesn't just cover your dorm room; it often extends to your

belongings even when you're not on campus. Whether you're traveling, studying abroad, or even just visiting home during breaks, your possessions remain protected. Encompass Agency's policies are designed to accommodate the dynamic lifestyle of students, ensuring that coverage is consistent no matter where you are.

Ease and Convenience

Encompass Agency makes the process of obtaining renters insurance incredibly easy.

With a seamless online application process and responsive customer support, you can

get the coverage you need without unnecessary hassles. This streamlined approach

allows students to focus on their studies and personal growth, knowing that their belongings are well-protected.

The decision to invest in renters' insurance as a dorm-dwelling student is a wise one that offers multiple layers of protection. From shielding valuables to providing liability

coverage and ensuring peace of mind, renters insurance from Encompass Agency

proves to be a reliable ally in the journey of higher education. While no one likes to

anticipate unfortunate events, being prepared is always the smart move. So, before you

settle into your dorm room, take a moment to consider the invaluable protection that

renters insurance can provide – your belongings and your future self will thank you.

Looking to discuss renters insurance?

Connect with an Encompass agent to start your quote.

Available 9-4 EST Monday through Friday Serving the East Coast of the United States


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