Why College Students Should Consider Renter’s Insurance if Away - KOAM TV 7

Why College Students Should Consider Renter’s Insurance if Away from Home


College and university students are starting to arrive on local campuses while others move away from Joplin.

   But for many something is missing from their back to school to do list and that is checking for insurance coverage.?

Jeremiah Shelley and his dad moved the football player into a Missouri Southern dorm.

 "I went to Walmart gathered a whole bunch of stuff. Brought it up here three flights of stairs, you know. It’s a real workout," said Yaquis Shelley, Jeremiah’s dad.

Jeremiah brought a new TV.  For others it’s microwaves and refrigerators. But are they protected by insurance?

Yaquis admitted, "Honestly, I haven't checked on it. So, I really don't know.  I'd have to look it up." Jeremiah added, "I knew it would come in the future when I got a home or a car. But, I don't have neither of those, so I never even thought about getting insurance."

They're not alone. Brenda Ankrom checked out the dorms for her freshman son, a golfer and admitted, "It’s something I need to look into. I know he's going to be bringing a laptop and golf equipment and it’s all expensive and expensive to replace if it’s lost, stolen or damaged."

Owners of Volk's Avanti Insurance say many parents’ homeowners policies do extend to their student as long as he or she is still a dependent and didn’t move out on their own before going away to school.

And some policies have age limits. In both those cases, they say renters insurance is a good idea.

Richard Volk explained, "It’s inexpensive, probably a couple hundred dollars. It covers things from the clothes, you know golf clubs, whatever they take to college."

 It’s not just covering contents, Volk says its equally important to have a policy because it offers liability insurance

He gave this example. "Somebody comes to your place maybe slips and falls, call it that. They get hurt cause they tripped over something. Guess what?  You can get sued over that.  And your liability picks it up and those claims do happen."

Insurance authorities recommend making an itemized checklist of possessions but Volk says taking video or photos works too.

Jeremiah’s dad said if his policy doesn’t cover his son, he’ll consider renter’s insurance.  "I think that would be a great idea. You never know what might happen.  But just in case you want to prepare especially as a parent."


The Missouri Department of Insurance suggests students download the Mo2Go Wallet app. It allows you to store all insurance information on a smartphone. It's also recommended that students take copies of health insurance plans with them.

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