Browsing Tag

campus safety

Safety Uncategorized

Students Remain Vulnerable to Losses from Campus Fires & Crime

August 20, 2019

Growth in campus fires and crimes confirm the value of renters insurance for college students.

More than 3 million college students are preparing to move into on-campus student housing and dorms.  While living on campus is proven to help promote greater college completion, students are often living independently for the first time and are vulnerable to unique risks. 

According to an analysis of nearly a decade of Clery Act reports on Campus Safety of more than 6,000 colleges and universities, annually there are more than 37,000 crime and safety incidents on college campuses. Further, there are 1,726 fires reported within on-campus student housing.

With so much money at stake, John Fees, co-founder of GradGuard, “suggests that college students and families make-aplan in case your student’s property is damaged by a fire or water damage or if they are found responsible for unintentional damages they may cause.”

The Top 3 Reasons GradGuard’s Renters Insurance is a Smart Decision for College Students:

  1. If you can’t afford to replace your backpack, bicycle or computer. – Renters insurance can replace your stolen or damaged property.  Renters insurance can cover those costs and help you get back to classes, without the added stress of a financial loss.
  2. If your school does not replace stolen or damaged property. – In a 2017 survey of student housing leaders, 98% of schools report that they do not replace stolen or damaged student property. Be sure to check with your school to see what their policy is and how much money is at risk. 
  3. If you can’t afford to pay for damages you cause. True renters insurance includes personal liability protection and can help pay for unintentional damages when a student cannot.

GradGuard’s renters insurance policy is designed for college students living either on or off-campus.    GradGuard’s renters insurance contains an exclusive student endorsement that provides affordable coverage ideal for college life and provides both personal property and liability protection:

  • Worldwide property coverage (for study abroad or mid-term trips);
  • Aa low-deductible starting at $100;
  • Replacement cost coverage. 

According to Fees, ‘For about 50-cents a day, students can protect their students’ belongings against losses, making renters insurance a must-have consideration for college families. In fact, 84% of state insurance commissioners recommend students obtain renters insurance. Whether you are living on or off-campus,  college students and their families are smart to consider purchasing renters insurance before the start of school.”

Safety Uncategorized

5 Safety Apps Every College Student Should Know About

May 14, 2019

The college years are some of the most exciting years in a person’s life. They’re all about exploring interests, experiencing life, and learning from mistakes. As fun as college can be, there’s also a great deal of responsibility that comes with being on your own for the first time. One of the most important aspects of this responsibility is ensuring your personal safety.

As a college student, you’re likely to face a unique set of dangers being on a campus setting. Whether it’s theft, assault, drugs/alcohol, or cybersecurity threats, they will all present themselves in different ways. It’s likely that you’ll encounter one or more of these issues, but it’s how you handle the situation that will help you emerge from it safely. Being both educated and prepared are some of the best ways to stay safe. Thankfully, there have been significant advancements made in technology that have been developed to help protect today’s college students.

Whether you’re going off to college for the first time or already have a few years under your belt, you’ll want to check out these five safety apps that every college student should be aware of.

Circle of 6

This app is the perfect way for college students to feel safe when walking home at night. Just simply download the app and set up your “circle” which is essentially your six emergency contacts who will be notified in an emergency. If you are in any form of danger, you can tap the icons inside the app twice and your circle will be sent a notification alerting them to the situation. Based on the icon you chose the app will send one of three texts to the circle:

  • GPS icon: “Come and get me. I need help getting home safely.”
  • Phone icon: “Call and pretend you need me. I need an interruption.”
  • Chat icon: “I need to talk.”

Rave Guardian

This app has been backed by many universities who have instilled this app on their own campuses. By sending out a simple message or anonymous tip you can be connected to your local university police station who will assist you with your situation. The app also has a feature to virtually assist you on your walk home. Simply notify the app when you leave and where you’re going, if you don’t notify them of your arrival after a set time period, the app will send someone to check on you.

Norton Secure VPN

Cybersecurity threats have become a growing concern for college campuses over the last decade. Between viruses, breaches, and phishing scams there can be a lot to protect your devices against. Having a virtual private network on your mobile devices can help safeguard your devices by encrypting your connection, making you invisible to outside cybercriminals. This can be invaluable in keeping your personally identifiable information from ending up in the wrong hands, or worse, becoming a victim of identity theft.

KiteString

While this application is more of a text-based service, it’s been praised as highly as other competing apps. The simplicity of this program is that you can text them when you’re going to be walking alone or in an uncomfortable situation with the amount of time that you’d like them to check in on you after. They’ll send you a check in text and you just simply reply that all is alright. If you don’t respond after that time, KiteString will send your emergency contacts a notification.

Revolar

As is true in most emergency situations, you don’t always have the time to open an app and respond immediately. Revolar’s app is connected through a wearable device that you can attach to a backpack or purse. Its simplicity makes it easy to press in a panic to have help sent to your location immediately. You can customize your alerts, messages, and contacts easily through the mobile app keeping the device seamlessly connected.

Be sure you stay safe out there with these apps from GradGuard and be sure to follow us on social media for more!

Safety Uncategorized

Online Dating in College

February 26, 2019

So here’s the thing. Dating in college is fun and all, but it can also be an absolute pain. You’re usually on a completely different page than the person you’re interested in, and sometimes a totally different book. Let’s face it, that person you met at the frat party last week is probably not texting you back any time soon, so let’s try something else. Online dating? It’s actually a really common thing now and makes things a lot easier; you can see what the other person is interested in via their profile, and what they are looking for. Simple right? Wrong. Here are some tips you can follow to remain safe and get the most out of online dating in college.

Do Your Research

You know what I mean. Put those FBI Facebook creeping skills to use and find the person you’re talking to on social media. Be sure that everything checks out. Make sure that they have friends, a solid following on Instagram, and add them on Snapchat. Snapchat is going to be your go-to window for seeing if the person you met through your dating app of choice is who they say they are. Talk to them on the phone too. Someone’s voice says a lot about them, so it’s always a good idea to sneak in a few phone calls before meeting. If these things don’t line up, then move on to the next one. Date smart and don’t set yourself up for a Catfish situation.

Meet Up in a Public Place

You really can’t be too careful when meeting up with someone that you met on the internet. Once you’ve been chatting with them for a while, done the Snapchatting, meet up with them at the campus coffee shop, ask them to grab lunch in a dining hall, or make a study date in the library. Don’t ask them to come over to your dorm room or apartment or go to theirs where no one else is at. Publicity is key!

Keep Your Friends Informed

If you’re making the step to meet up with someone that you met online, just keep at least 1 of your friends in the loop. Let them know that you are meeting up with a new person and tell them where you will be. It also isn’t a bad idea if you decide to have them on standby if you need an out. Give them a code word that you can text them if you are not having a good time, getting a bad vibe, etc. That way your friend can give you a call with an excuse for you to leave. Remember, you don’t need a solid reason to leave if you are uncomfortable.

Date Around, But Also Be Selective

The great thing about “dating” is that you are not really committed to one person. Don’t worry, they probably aren’t committed to you right away either. Really just take some time to play the field, but play it well. You’ll likely have a lot of options, but be sure that you are selective with your suitors. Don’t feel pressured to meet up with someone just because you’ve been talking to them. If you aren’t ready to or don’t want to, then don’t. Just don’t be mean and ghost someone. Be honest about how you feel and offer an alternative if you are feeling up to it. At the same time, be sure you put yourself out there enough for the new experiences. It can be a little daunting at first, but it gets easier as time goes on.

Have Fun!

You’re young and this is your chance to have the time of your life! Meet new people, even if it isn’t for the sake of dating them, plenty of friendships develop from online dating apps as well. Sometimes you meet someone who you don’t click with romantically, but still have fun with. So instead of going on dates, you just get together to drink coffee and play League of Legends. Like I said, strive for the new experiences and the fresh faces! If you meet someone you want to keep around for a while, that is an added bonus.

Online dating is fun while you are in college, just be sure that you do it wisely with these tips from GradGuard as you go forth with your suitors. Do your research, be open minded, keep your friends informed, and meet everyone in a public place first. Stay safe and have a good time!

Student Life Uncategorized

What to Ask Your Renters Insurance Agent

November 15, 2018

Being an adult can mean so many different things; first, you have to do your own laundry, second make your own coffee, and third purchase your own renters insurance policy. This can honestly be super daunting to those who still have issues making their own dentist appointments, but we’ve made a simple list of things that you should be sure to ask your renters insurance agent when the time comes!

How do I know what my coverage limits should be?

Most renters insurance policies come with both personal property coverage and personal liability coverage. Personal property coverage is the limit that protects your personal items that are inside of your residence, and personal liability coverage is what protects the actual structure itself. Be sure to talk to your university or rental property to see if they require any specific limits while you are living there.

How much is the policy?

See if your renters insurance agency is charging you monthly, annually, semi-annually, or another billing option. Talk through it with them to see if there is a benefit to one billing option as opposed to another.

How long does the policy last?

This depends on the company that you are purchasing through and what you opted to pay for the policy. If you paid annually, then the policy likely lasts for a full 12 months from the date that you chose your coverage to begin. If you are only needing the insurance for a certain amount of time, be sure to ask your agent about their cancelation process and what is required to terminate the coverage.

What does this policy cover?

This is SUPER important to ask and have an understanding of. For example, if you want to have renters insurance in case someone breaks in and ransacks your apartment, just be sure that theft and burglary is a covered peril under the policy you are wanting.

How does the claims process work?

This is a general question with an important answer. Most people have no idea how to make an insurance claim if needed and it should be one of the top questions to ask your renters insurance agent. The claims process can be different for each agency, so just to be sure you clarify it if needed.

When it comes to purchasing renters insurance, questions are important to ask! We want you to ask questions and have a full understanding of what you are getting. It is so important to know that we are here to help you. Much like a doctor, you should be asking your renters insurance agent as many questions as possible and do not feel like any question you have is too small or too silly. GradGuard has your back and encourages you to ask whatever questions you think are necessary. We are there when you need us and will help you with all of your adulting needs.

Transition Uncategorized

Things That Cost More Than Renters Insurance

October 4, 2018

Chances are you’re bringing quite a few things along to college with you this year. Some of those things, such as your bike, laptop, and X-Box are big-ticket, expensive items that you need to make it through the semester as a sane human being. So, what would happen if those items were stolen or damaged? You’d be out a lot of cash just trying to replace them.

On a college student budget, replacing a laptop could be disastrous. In addition to being diligent about your stuff, students should also consider protecting their stuff with GradGuard Renter’s Insurance!

Renters insurance provides valuable financial protection for your stuff and personal liability. According to the Insurance Information Institute, the average annual cost of a renters insurance policy is $184; that is less than $16 per month! That doesn’t seem out of reach even on a student budget. Actually, $16 per month is just 53 cents a day!

There are some things you spend more on in college like…

  • Coffee (just a plain black drip coffee costs more if you are getting one every day)
  • Going to the movies with your friends. Even if you just see 1-2 movies a month it will cost more than renters insurance.
  • Newspaper
  • Dorm laundry facility
  • Bus or subway rides
  • Your cell phone
  • A pack of gum/mints
  • A bottle of water
  • Late night pizza
  • Late night Jimmy John’s
  • Making copies at the library (they can get expensive!)
  • Gas for your car (if you are commuting or want to go home every weekend)

Some of these things might not apply to you, but when you think of the things that can happen in college where something of yours might need to be replaced due to covered damage or theft, having renters insurance is definitely worth the price! Make the smart buy and get protection with the only renters insurance that contains an exclusive college student endorsement – with unique features and coverage designed for college life- from GradGuard.

Safety Uncategorized

10 Crucial Campus Safety Tips

September 24, 2018

The yearly return to college each fall is an exciting and significant time for students, but it isn’t entirely without risks. This year, as classes beckon you back to campus, consider what you can do to ensure your own safety as well as that of others. September is National Campus Safety Awareness Month! Here’s a quick list to help you promote safety throughout your time at school.

Walk With Purpose

It’s no secret that anyone who appears to be new in town or otherwise unsure of themselves makes an easy target. Don’t be one of those people! Wherever you go, whether on campus or around town, be sure to walk with confidence and a purpose. Be aware of your surroundings at all times, and don’t be afraid to excuse yourself from any situation that makes you feel uncomfortable. Go with your gut: when it comes to your personal safety, you are your own greatest ally.

 

Be the Leader of the Pack

It’s an immutable law of nature: there’s safety in numbers. Traveling with friends is one of the best ways to keep yourself protected, particularly if you’re a young woman who may be at greater risk. This is of critical importance when attending social events or traveling in unlit areas. Whether on or off campus, attend events as part of a group and make a pact to look out for one another. Most importantly, never leave someone alone in a vulnerable or uncomfortable situation. If necessary, leave as a group and make other plans instead.

Be Social Media Savvy

Today our digital personas are just as real as our offline lives, and what happens on the Internet doesn’t necessarily stay there. So in the interest of safety, it’s best to keep the personal details to a minimum. First and foremost, be sure to disable location services so that no one can track your whereabouts as you post. Next, think twice before making any posts that include “sensitive” information. Over 80 percent of Internet-initiated crimes – crimes in which the criminal first identifies or tracks a target online – begin through social media, making your profiles excellent resources for any would-be criminals to find your location, daily routines and nearly anything else they might want to know.

“I’ll Be Back”

Whenever you venture out and about, make sure that someone knows where you’re going and when you expect to be back. It only takes a few moments to text friends or family members and inform them of your plans, and if something should ever go wrong, you’ll be glad that you did. If you don’t show up when and where you’re expected, having someone who can check in on you can make all the difference.

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Safety Uncategorized

Better Safe Than Sorry!

August 24, 2018

Now that you’re all on your own in college, without any adult supervision from your parents, it’s best to take whatever steps necessary to stay safe and protect yourself from dangerous situations that could occur at any time of the day. One key thing to remember is that there is no such thing as being too cautious, especially when you’re by yourself.  Below are a few tips and suggestions on what you can do to stay safe around campus.

Be aware of your surroundings at all times.

Especially at night. Whether you’re just walking to your car or going for a quick run to the convenience store next door, make sure to look around you and look out for any suspicious individuals or activities that might be lurking around your neighborhood. For many, it is a common thing to have on headphones and listen to music while you’re out and about, however, when you are by yourself, this could put you in a very vulnerable and risky situation. Music can be distracting and can also drown out noises around you, therefore it makes it easier for the bad guys to approach you. Music is good for the soul, but let’s save it for when you’re at a pool party or when you have safely arrived in your car and locked it.

Carry a safety kit.

This doesn’t have to be anything bulky or wildly noticeable. With so many cases of assault and kidnapping nowadays, even in broad daylight, it is smart to carry a personal safety kit with you everywhere you go. The most popular protection item for college students and young adults to carry is pepper spray as it is very affordable and accessible. Another item that’s not very commonly used but is extremely helpful is a personal alarm, which can be used in emergency situations to scare off an attacker and alert assistance. Sabre is a brand of security equipment that offers personal safety kits that include both a pepper spray and a personal alarm which can be easily attached to your keychain. This is a great product to keep in mind when stocking a personal safety kit.

Know how to put out a grease fire.

You’d be surprised how many cases of cooking-related fire incidents occur each year, especially among college students. According to the National Fire Protection Association (NFPA), cooking is the number one cause that can lead to home fires. The most obvious and important factor in not having grease fires is to take the necessary steps to prevent them. However, in the case that you have already started one, you can refer to the list below for the basic tips on how to extinguish the fire:

  1. DO NOT use water to put out the fire.
  2. Locate the heat source and turn it off.
  3. Try covering the pan/pot with a baking sheet or any metal lids until it has cooled down.
  4. If the fire is small, you can douse it with baking soda or salt.
  5. If the fire is on a larger scale and not manageable, use a fire extinguisher.

Purchase renters insurance.

As reported by the Clery Act, there is an average of 22,463 annual burglaries reported on college campuses and 2,070 annual fires reported in on-campus student housing (data is from 2017-2018). For unpredictable and unfortunate incidents like these, it is highly recommended that students protect themselves and their personal belongings by looking into purchasing renters insurance. GradGuard offers low deductibles and worldwide property coverage for students at an affordable price. This is in the event that their laptops, bikes, or backpacks get stolen. This applies even if they are just around campus or vacationing outside of the country. To get more information, click here.

With all that said, let’s hope that you don’t run into any unfortunate mishaps. Have fun being a college student, but always do your best to make sure that you are safe no matter where you go!

Student Life Uncategorized

Ultimate Campus Commuter: Legs, Lance, or Longboard?

July 13, 2018

College campuses can seem like cities when you are walking across them with the sun beating on your back, or the icy air finding the gap in your layers. You think to yourself, “there has got to be a better way.” Well, you are correct, this innovative product from Ancient Mesopotamia is called the “wheel” and it is here to rescue you from 30-minute walks to class. Now, some people still stand by the leg (origins unknown) as the ultimate campus transportation. Today we will discuss what is the best way to get around campus; walking, biking, or boarding. Some people will use a scooter, but they are the flat-earthers of the university commute debate.

Legs: This method should require little introduction, chances are you have been walking for a little while now, though I tell you, the freshmen look younger every year. Walking is by far the slowest mode of transportation on this list, but it is also the safest. 99% of you will probably be able to get from one end of the campus to the other without hurting yourself, but we all have that one friend. This may be the most tedious method on the list, but how else are you going to tell your kids you walked to school 4 miles, in the snow, uphill both ways, while barefoot. Though this might make your commute longer, it is a great time to catch up on your favorite podcast or audiobook.

Lance: This method is most likely going to be the fastest on this list. You will be able to ride in the bike lanes on the roads, as well speed past the Leg Truthers. The quick turning ability, accessible learning curve (no rules against training wheels), and smooth ride make the bike a very enticing option for campus commuters of all kinds. However, there are plenty of drawbacks to this two-wheeled chariot. You can only go where there are bike racks. Bolt it to fences and lampposts all you want, but don’t be shocked when you come back and it is gone; you parked it illegally. The final drawback is how common bike theft is on campus. If you plan on biking all four years you will want to buy several bikes or purchase a renters insurance policy from GradGuard. That will help you in the likely event it is stolen while you’re taking a test.

Longboard: This is by far the most iconic college mode.  Well, the longboard has blown up, and you can even use it in Minnesota before the frost hits. By far, the hardest to learn of the three, you will struggle to get up and running on the board, but it is well worth it once you are used to it. It’s light, quick, and somewhat agile.  You can bail from it at any second, something you will be doing when you remember it has no brakes. Most professors won’t say anything if you bring it to your desk, eliminating most cases of theft. Just be aware of where you boarding; you will feel every crack in the sidewalk. As fly as you may look, resist the temptation to smolder at that cute classmate because there is no recovering from eating concrete as you run over a rock. You’ll end up running away as fast as you can; pride in ruins.

There are pros and cons to every mode. Each person will value different aspects more than others. Longboards seem to have the best combination for most college students but require the most skill. Whatever you choose, stay safe out there, watch out for Mustangs, and of course be sure you have the proper liability and property coverage through GradGuard.

Safety Uncategorized

10 Crucial Campus Safety Tips

August 17, 2017

The yearly return to college each fall is an exciting and significant time for students, but it isn’t entirely without risks. This year, as classes beckon you back to campus, consider what you can do to ensure your own safety as well as that of others. September is National Campus Safety Awareness Month! Here’s a quick list to help you promote safety throughout your time at school.

Walk With Purpose

It’s no secret that anyone who appears to be new in town or otherwise unsure of themselves makes an easy target. Don’t be one of those people! Wherever you go, whether on campus or around town, be sure to walk with confidence and a purpose. Be aware of your surroundings at all times, and don’t be afraid to excuse yourself from any situation that makes you feel uncomfortable. Go with your gut: when it comes to your personal safety, you are your own greatest ally.

Be the Leader of the Pack

It’s an immutable law of nature: there’s safety in numbers. Traveling with friends is one of the best ways to keep yourself protected, particularly if you’re a young woman who may be at greater risk. This is of critical importance when attending social events or traveling in unlit areas. Whether on or off campus, attend events as part of a group and make a pact to look out for one another. Most importantly, never leave someone alone in a vulnerable or uncomfortable situation. If necessary, leave as a group and make other plans instead.

Be Social Media Savvy

Today our digital personas are just as real as our offline lives, and what happens on the Internet doesn’t necessarily stay there. So in the interest of safety, it’s best to keep the personal details to a minimum. First and foremost, be sure to disable location services so that no one can track your whereabouts as you post. Next, think twice before making any posts that include “sensitive” information. Over 80 percent of Internet-initiated crimes – crimes in which the criminal first identifies or tracks a target online – begin through social media, making your profiles excellent resources for any would-be criminals to find your location, daily routines and nearly anything else they might want to know.

“I’ll Be Back”

Whenever you venture out and about, make sure that someone knows where you’re going and when you expect to be back. It only takes a few moments to text friends or family members and inform them of your plans, and if something should ever go wrong, you’ll be glad that you did. If you don’t show up when and where you’re expected, having someone who can check in on you can make all the difference.

Do Your Research

Every campus has resources available to help keep you safe, but they aren’t of much use if you aren’t aware of them. Take some time to find out where your local campus safety or police station is located and be sure to save the phone number. Also familiarize yourself with any other useful services, such as psychological services and wellness centers. It’s also a good idea to locate any emergency phones and automatic external defibrillators (AEDs) on campus. A sudden cardiac arrest can happen to anyone at any time, and people who are quickly treated with an AED are five times more likely to survive.

Take Advantage of Safety Technology

If you haven’t done so already, sign up to get campus text alerts sent directly to your phone. These alerts will help you stay abreast of any incidents on your campus and will provide valuable safety information if necessary. Additionally, consider downloading a personal safety app to turn your phone into a pocket-sized security guard. There are many options available, all with their own feature sets, but the general idea is the same: these apps provide a way to stay in touch with friends and family, alert them to your plans and location and even send emergency alerts if you’re in need of help.

Lock It Up

There are thousands of burglaries on college campuses each year, and many of them could be prevented with one simple step: lock your doors! Make sure your roommates also understand the importance of keeping your dorm locked up securely, and never give out a key to anyone else. If you live off campus, or in a sorority or fraternity house, consider installing a basic video surveillance system or doorbell camera. If an intruder sees they’re being watched it’s a powerful deterrent, and it’ll also allow you to remotely view any visitors – unwanted or otherwise – right from your phone or mobile device.

Be Skeptical of Unknown Substances

Whether you’re out partying hard or simply looking for some Tylenol for a headache, never trust pills, liquids or other substances unless you know exactly what they are. It’s always better to pass on someone’s offer rather than risk consuming a spiked drink, a dangerous drug or some other foreign substance. Similarly, never put your drink down at a house party or in a bar.

Get Defensive

Many campuses and community centers offer free self-defense classes, and they’re well worth your time. Even if you hope never to need it, knowing how to respond quickly and effectively in the event of a physical threat is potentially life-saving. It doesn’t matter if you’re male or female – everyone could use a few tips from the experts, and if you witness potential acts of violence as a bystander this knowledge could help you prevent an assault from occurring.

Equip Yourself

There’s something to be said for preparing for the worst, and that’s exactly what personal defense items accomplish. Whether it’s a small canister of pepper spray or a safety whistle, it’s worth it for peace of mind to carry one or more non-lethal defense items with you when you’re out and about.

Whether you’re finishing your degree or shipping off to college for the first time, it’s important to make sure you’re properly prepared. With the simple tips above, you can feel confident in your ability to stay safe, protect yourself from whatever comes your way, and remember that GradGuard has your back!

 

Emma Bailey is a freelance writer and blogger based in Chicago, IL. A Midwest transplant from the state of California, she typically writes on the social justice issues that are closest to her heart. Her interests include kayaking, watching horror movies, and finding perfectly ripe avocados. You can find her on Twitter @emma_bailey90

Safety Uncategorized

Campus Crime & Fires: Don’t expect your college to replace stolen or damaged property

August 1, 2017

According to data from the FBI’s Uniform Crime Reporting program, there were 69,502 reported property crimes on college campuses in 2015. In 2018, Clery Act reports on campus safety reported that there were 1,726 fires within on-campus student housing.  

As a result, college families are smart to make-a-plan in case a student is a victim of theft, their property is damaged by a fire or water damage or if they are found responsible for damages they may cause.  In fact, according to a survey by College Parents of America, a majority of state insurance commissioners recommend college students consider renters insurance.

The Top 3 Reasons Renters Insurance is a Smart Decision for College Students:

  1. Can the student replace stolen or damaged personal property such as a backpack, bicycle or computer? – Renters insurance can replace stolen or damaged student property.  Renters insurance can cover those costs and help students get back to classes, without the added stress of a financial loss.
  2. Does the college or university replace stolen or damaged property?  – In a 2017 survey of student housing leaders, 98% of schools report that they do not replace stolen or damaged student property. Be sure to check with the college or university to see what their policy is and how much money is at risk.
  3. Can the student afford to pay for damages they cause and are found responsible for?  True renters insurance includes personal liability protection and can help pay for unintentional damages when a student cannot.

“Some families may have some protection through their homeowner’s policy, but they are often subject to high deductibles and making a claim on a policy can result in higher premium costs. As a result, for about $.50 cents a day, GradGuard’s college renters insurance plan is an affordable and practical way to protect your student from an unexpected financial loss that could disrupt a student’s semester,” said John Fees, co-founder of GradGuard, an authority on protecting the investment of college students and their families and a leading provider of insurance programs to more than two hundred colleges and universities.