Affordable Student Dwelling Insurance
Protect your off-campus housing and belongings with coverage designed for students. Safeguard your electronics, furniture, and personal items while you focus on your studies.
Student-Focused Coverage
Living off-campus means your parents' home insurance likely won't fully protect you. Student dwelling insurance provides affordable coverage tailored to your unique needs.
Electronics & Tech
EssentialFull coverage for laptops, tablets, phones, gaming consoles, and other electronics essential for your studies and daily life.
Personal Belongings
IncludedProtects clothing, furniture, textbooks, and personal items from theft, fire, water damage, and vandalism.
Liability Coverage
IncludedProtection if you accidentally damage the rental property or if someone is injured while visiting your home.
Temporary Living Expenses
IncludedCovers hotel costs and meals if your rental becomes uninhabitable due to fire, flood, or other covered damage.
Study Interruption
OptionalCoverage for tuition and living expenses if a covered loss prevents you from attending classes for an extended period.
Bike & Sports Equipment
OptionalAdditional coverage for bicycles, skis, snowboards, and other sports equipment that may have limited standard coverage.
Why Students Need Separate Coverage
Many students assume they're covered under their parents' home insurance policy. This is often not the case, especially if you're living off-campus.
Parents' policies typically only cover students living in residence halls, not private apartments or houses
Coverage limits for off-premises belongings are often very low (10% of contents coverage)
High-value electronics like laptops and gaming equipment may exceed these limits
Liability coverage from parents' policy may not extend to your rental unit
Roommate situations can complicate claims under a parents' policy
Your landlord's insurance only covers the building, not your belongings
Student Insurance FAQs
How much does student tenant insurance cost?
Student tenant insurance is very affordable, typically ranging from $15-30 per month depending on coverage limits and deductible choices. This is a small price for peace of mind protecting thousands of dollars in belongings.
Can I share a policy with my roommates?
Generally, each tenant should have their own policy. Shared policies can create complications if one roommate moves out or if there's a dispute about a claim. Individual policies ensure each person's belongings are properly covered.
What if my laptop is stolen from campus or a coffee shop?
Most student tenant policies cover your belongings anywhere in the world, not just in your rental unit. This means your laptop, phone, and other items are protected whether stolen from campus, a coffee shop, or while traveling.
Does my coverage follow me if I move apartments?
Yes! Just notify us when you move and update your address. Your coverage continues at your new location. There's no need to cancel and get a new policy.
What about coverage during summer break?
Your coverage continues year-round. If you're returning home for the summer, your belongings in storage or at your parents' home are typically covered. Contact us to discuss your specific situation.
Get Your Student Quote
Affordable coverage designed for students. Most policies start at just $15-20/month.
What You'll Need for a Quote
- Your rental address
- Estimated value of your belongings
- List of high-value items (laptops, phones, etc.)
- Move-in date
Typical Student Coverage
Related Coverage
Get Your Student Quote
Affordable coverage designed for students. Most policies start at just $15-20/month.
Call 416-628-1962ProtectYourStudentLife
Get affordable coverage for your off-campus housing and belongings. Quick quotes, easy setup, and peace of mind while you study.