Browsing Tag

renters insurance

Adulting Other Student Life

Subletting and the Importance of Renters Insurance

June 9, 2022

Summer is here, and students all over the country are moving off campus, starting summer jobs, and getting ready for another school year. It’s also a time when students may need places to stay temporarily for summer jobs, and many leave their student apartments empty when moving home for the summer. Finding a temporary place to live out of town to stay for the summer can be difficult when you’re concerned about safety and reliability.

Many people consider subletting their apartments over the summer to take advantage of all the traveling young adults and offset the costs of an empty apartment. No matter if you are on the lessee’ or lessor, you might want to consider renters insurance to ensure the safety of your valuable items.

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Adulting Student Life

Fact or Fiction: The Truth About College Student Insurance

May 4, 2022
Students working on laptops laughing

By now, most of us know what insurance is, although maybe not entirely sure how it works or what makes a good policy. When it comes to the necessity of insurance, there is often some debate on what is covered, what’s a reasonable price, and if it is really something that people should invest in. College is one of the most expensive and risky investments a family can make. Still, many people may feel like insurance is unnecessary or unaware of what is included in a student renters and tuition insurance plan.

We break down all the misconceptions and myths surrounding college student insurance.

Fact or Fiction – 8 Misconceptions About the Value of Insurance for College Students

1. College students can’t afford renters or tuition insurance.

Fiction: Renters and tuition insurance are pretty affordable. In fact, a monthly renters policy with GradGuard costs as little as a Chipotle burrito meal! Students can also get coverage for as little as 1-2% of their overall tuition expense for tuition insurance, including room and board and academic fees.

2. My landlord will likely not replace my things if they’re stolen or damaged.

Fact: Presumably, your landlord has insurance that covers the building, but not what’s inside. So, if your backpack is stolen or your laptop is destroyed, you will be the one to replace it. Having a renters policy is essential in giving you peace of mind that your things will be protected if something happens.

Let’s take it one step further: GradGuard’s Renters Insurance follows you wherever you go. If your bike is stolen while running an errand or if your suitcase is taken while studying abroad, your renters policy has you covered.

3. My school has a refund policy, so I don’t need to pay for tuition insurance if I have to withdraw.

Fiction: Yes, your college or university indeed has a refund policy that is often only good for the first few weeks of classes. Beyond that, nearly all institutions don’t provide refunds if you were to completely withdraw, even for a medical condition such as anxiety, depression, or Covid-19.  Tuition insurance can help protect you so you don’t need to rely on this if you need to withdraw for a medical emergency.

4. My stuff doesn’t cost that much.

Fiction: Find out just how much your stuff is worth — and how renters insurance can cover it all. When you sit down to think about all the things needed to attend college, it can add up – and fast! If the unexpected were to happen, do you have the budget to replace everything you own? Renters insurance can help you get your money back so you don’t have to stress about how you would replace a stolen or damaged laptop or bike.

5. Renters insurance covers more than just my personal belongings.

Fact: The fantastic thing about a renters policy is its wide range of coverage! Not only is your stuff covered in your residence, on campus, traveling to and from school, and studying abroad, GradGuard’s renters insurance includes liability coverage and loss of use protection.

Liability and medical coverage – If you unintentionally damage your place of residence, you may be held responsible for damage to your apartment building or injuries to guests. Liability coverage may help you pay for any medical fees, property damage, or court costs in this situation.

Loss of use protection – This is important to help cover the costs of food and hotel rooms if your home becomes uninhabitable due to a covered peril like a fire in your residence hall.

GradGuard’s Renters Insurance provides these exclusive student endorsements, including a low $100 deductible and no credit scoring.

6. I am young and healthy, so nothing will happen to me.

Fiction: There is a reason the unexpected is, well, unexpected – you can’t and won’t see it coming. Even though many college students are in good health, being in college doesn’t magically make you invincible. Addressing the fact you may need to withdraw from school for any unforeseen reason is uncomfortable, but you know what’s even more concerning? The idea of losing thousands of dollars.

No one wants to think about ever needing to file a claim with a tuition insurance plan, but it can reimburse the cost of a completely withdrawn term in the event of a covered illness or injury.

7. My roommate has renters insurance, so I’m already covered.

Fiction: While you and your roommate might share snacks and a Netflix account, their policy usually covers their things, not yours. Getting your own policy allows you to customize protection that’s perfect for what you need. And if your entire residence is unintentionally damaged, the reimbursement costs can climb quickly. Separate policies will ensure all of your belongings are covered.

8. Epidemics including Covid-19 are a covered reason with tuition insurance.

Fact: GradGuard tuition insurance plans purchased on or after February 18, 2022, include an epidemic coverage endorsement, which can provide protection when an insured student completely withdraws from school for the covered term due to becoming ill with any epidemic or pandemic disease, including COVID-19*.

With life comes a lot of responsibility. We are here to help guide and educate you on the risks of college life. Now you know the truth about college renters and tuition insurance!

Terms, conditions, and exclusions apply.

Adulting Student Life

A Student’s Guide to Insurance: Travel Edition

April 19, 2022

Being a student has its fair share of traveling. From breaks, vacations, traveling to and from campus, to even studying abroad. Whether you’re road-tripping to the west coast, studying abroad in Spain, or enjoying the beaches of Southeast Asia, knowing the ins and outs of student insurance can help make your trip a safe one!

There are a few different kinds of insurance you should consider when traveling during school, both in and out of the country: Auto, Health, Renters, and Travel.

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Other Student Life

Why College Students Need Renters Insurance

April 4, 2022

In back-to-school mode, you and your parents may be caught up in the whirlwind of college life you have found yourselves in. With so much new information and experiences happening all at once, you or your family members may not think about some things when you head off to college. One of the most important things to consider when settling into your new residence hall, apartment, or condo is renters insurance.

Why you may ask? As a student, you are potentially bringing thousands of dollars worth of possessions to school, from electronics to books to laptops and even furniture. If your laptop gets damaged or stolen, how would you replace it? What about your clothes if your dorm room floods? These items may not break the bank to replace individually, but the costs can definitely add up! Have you ever thought about what ALL of your stuff costs, together, all at once? It may surprise you! That is why it’s so important to take an inventory of what you bring with you to school. The data collected over the last few years estimates that the total estimated cost of living per year for students, including food, housing, clothing, phone plan, and other things, is around $14,435, with an additional $2,316 on personal items.

The Break Down

Before you head off to school, it isn’t out of the ordinary to purchase many new things to go into your dorm room or apartment.

These dorm room items can include:

  • Bedding: Sheets, Pillows, blankets, duvets
  • Bath Items: Towels, robe, caddy, shower shoes
  • Decorations and other personal Items
  • Appliances: Microwave, TV, mini-fridge
  • Study Supplies: Calendars, planners, desk accessories
  • Storage: Drawers, baskets, bins, containers
  • Electronics: Gaming devices, iPads, speakers, streaming devices, cameras, computers, hard drives, headphones

These are just a few examples of what you can bring to campus, and when all added up, it can cost thousands of dollars. This doesn’t include your personal items such as clothes, bags, shoes, and other things you have collected over the years that are important to you. With such a wide range of prices on these items, leaving them unprotected should something unexpected happen isn’t worth the risk.

GradGuard: The Smart Choice

Colleges, universities, and off-campus property management companies don’t replace stolen bicycles or backpacks, but GradGuard College Renters Insurance can. Our coverage provides unique student-focused coverage through an exclusive student endorsement. That means you’ll have access to features that you can’t find in a standard homeowners insurance policy or other companies.

Here are a few examples of GradGuard’s student-focused features:

  • Low Deductible – Our standard deductible offer is only $100 when you file a claim, no matter the item.
  • No Credit Scoring – We took into account that you may not have a great credit score or even one at all as a student. No matter your credit history, everyone on-campus receives the same price.
  • Worldwide Property Coverage – Your belongings, including rented property, can be protected from covered perils anywhere in the world! If you are traveling home from school or studying abroad, GradGuard has got you covered.
  • Personal Liability Coverage – If you are hurt or unintentionally damage your place of residence, we may be able to help.

GradGuard College Renters Insurance was made with students in mind, unlike other renters insurance providers. If you file a claim, your rates won’t go up, and there are no sneaky sub-limits on electronics coverage. Our coverage protects physical items you bring to college (up to the policy limits) from things like theft, fire, smoke, vandalism, wind, sprinkler system discharges, and more.

You can also view a sample policy to learn about some more of the specifics of our coverage.

Other Considerations

Homeowners Insurance

If you are not the first person in your family to head off to college, you and your parents may think that you have everything under control. Your parents’ first instinct may often be to look into their current homeowner’s insurance. This is important to look at, but the coverage it can offer you as a student away at school may not be enough. Most of the time, a homeowner’s insurance policy will only extend to cover some of your possessions and may have a really high deductible.

A big downside of using this coverage is that making a claim on the homeowner’s policy may raise premiums. Homeowners’ policies often have limits, exclusions, and certain conditions that you can’t rely on to automatically cover you and your belongings while you’re at school. You may be better off just replacing that couple thousand dollar laptop out of pocket. Or even better, opting for GradGuard!

Landlord Protection

Many parents believe the landlord will cover damages when it comes to liability. More often than not, a landlord’s insurance only applies to the building itself, not the resident’s possessions within. Double-check with the landlord and ask what their insurance policy would cover should a theft or other disasters occur. Having your own insurance policy is a great way to ensure that the things you bring along with you to school are protected.

Another common myth is that renters insurance is too expensive and unnecessary. Even though it is an added expense, the benefits outweigh the costs should any disaster occur and your belongings suffer damages that could put you out thousands of dollars to replace on your own. Renters insurance is a great way to prevent significant financial loss and encourage students to start thinking responsibly about their belonging and move towards adulthood.

Safety Student Life

Spring Break: A College Student’s Guide to Risks

March 7, 2022

Nationwide, nearly 20 million college students are preparing to take their midterm exams before heading off to enjoy spring break. With dropping Covid-19 case numbers and an overall better outlook on the pandemic, many students are extra eager to escape from hectic college life. 

Before students leave campus, GradGuard, the nation’s leading authority on helping protect college students and their families from the risks of college life, recommends students consider the following tips so they are prepared if something goes wrong. Here are five tips for college students as they embark on long-awaited spring break adventures.  

Protect your health

Be sure you have your health insurance card, and if applicable, your COVID-19 vaccination card, with you and confirm your student health insurance will work while traveling.  

Protect personal belongings

Be sure to consider purchasing GradGuard’s renters insurance, which is specifically designed for college students. It provides coverage for students’ belongings not only while on campus but also while they are traveling worldwide.

Protect your identity

Be prepared with backup identification cards by taking photos of all your personal IDs and payment cards. If your wallet is stolen, you can quickly restore your life and return home easily.

Protect your trip

If you are leaving the United States, travel insurance can be a smart purchase and can include valuable services to help you overcome a financial loss and also help you return home in case something goes wrong on your trip.

Protect your dorm or apartment

Remember you are likely responsible for damages that may occur at your campus residence while you are away.  Be sure to turn off all electronics and appliances before leaving.  But if something happens, GradGuard’s renters insurance can provide coverage for damages that occur while you are away from school.

It’s important to understanding the risks of college life and to consider these tips before spring break. Students and families may be surprised that they will likely lose hundreds, if not thousands of dollars if their semester is disrupted by a theft, unintentional damage to their student housing or a medical condition forces them to withdraw.

GradGuard’s renters insurance enables students and families to easily replace a bike, laptop, cell phone, or other items that are stolen or damaged, not only while the student is on campus, but also while they are traveling to and from school or away on vacation.  In addition, GradGuard’s industry-leading tuition insurance program allows families to get a refund if they are forced to withdraw from school for covered medical conditions including COVID-19.

While students have diverse goals for spring break, students are smart to be prepared and to protect themselves from a financial loss that could disrupt their semester or create greater financial stress. Have a happy and healthy spring break!

Student Life

Starting College on the Right Foot

February 23, 2022

College is a whole different ball game than high school, and contrary to popular belief, it has nothing to do with the classes or work you’ll be doing. For many students, college is the first time you will be responsible for yourself in more ways than one. One of the most significant differences is being in complete control of your education. You get to decide what you would like to study and what classes you get to take. You have the power to determine your academic future!

For many students, this can be overwhelming with so much new incoming information. We are here to help give a few pointers to ensure that you don’t overlook important details, whether it is your first semester or your last.

Important Policies and Procedures to Know

One of the most important things to look into when choosing a college or university is what policies they have in place. This can often get overlooked when enrolling because so many exciting things are happening all at once. Some of the policies we suggest you look into are:

  • Student and Class Policies – This can include policy and procedure documents related to student life at your university for things like student leaves, student misconduct, grading, courses, degrees, and even the quality of campus life for all students. It is vital that you also look into the policies on adding or dropping classes, important enrollment deadlines, and even the refund policy should you need to withdraw from classes. Of course, no one wants to think about bad things happening, but you should be prepared for the unexpected and be aware of what your school can do or not do if something were to happen.
  • Renters and Tuition InsuranceGradGuard offers protection plans designed specifically for the risks of college life. Pipes burst, backpacks get stolen, and illness or injury can keep you from your studies. Many colleges and universities do not offer refunds if a student needs to withdraw from classes after the first few weeks of class. Nearly all schools don’t replace stolen or damaged student property, either. Both of these factors can be detrimental to a student’s success. GradGuard is smart to consider given all of the risks that could happen.

Schedule

Managing a schedule is hard, but you can get the hang of it in no time with some practice. Before classes start or when you have some spare time, take a moment to think about all of the different things on your plate: attending classes, doing homework, studying, sleeping, hanging out with friends, and taking care of yourself; not just by eating the proper meals, but creating a budget or having clean clothes to wear. Details like this can get pushed aside when life becomes hectic, but knowing this ahead of time is an excellent way to ensure they don’t get forgotten. These are all essential everyday things that are vital for us to succeed in life, but can be hard to manage the different elements for the first time on our own. Lean on your friends and family to help you create a schedule that works for your so one of these areas in your life doesn’t suffer.

Work-Life Balance 

A good work-life balance is often talked about, but frequently overlooked. It’s easy to get stuck in the mindset that you must work, work, work all the time. But with all that hustle comes the great need for rest. You must have the appropriate downtime to relax and recuperate after using your body and brain. Eating healthy meals and getting the right amount of sleep is just as crucial to your success as making sure you attend classes and study. If we put out too much energy and don’t give ourselves enough time to unwind, it can lead to bigger problems like excessive stress, weight gain, and even depression. You will need to know your limits and listen to your body when it tells you it is time for a break. It can always be hard to say no in college, but there will always be another chance to do something. If you need to stay home and take care of yourself, your friends will understand! Understanding this concept now will benefit you greatly in the future with your career.

Resources

With this in mind, it can be hard to keep track of important resources and departments you may need in the future. Your college or university most likely will offer many different services or people on campus that you can turn to if you need help getting on the right track. 

  1. Staff – If you need help understanding any university policies, you can reach out to your academic advisor or a faculty member. They have a solid understanding of procedures if there is something that you do not understand.
  2. Study Centers or Resource Labs – There are often many tools available to students that are not well known. If you need help with classes or course material, the university or your specific college may have a tutoring program to assist you when needed. 
  3. Health Services – When you are feeling under the weather or are struggling with your mental health, you can visit your school’s health services facility. This is important if you are sick or if you are having a hard time balancing your workload. They should have doctors and counselors available to you when you need them, and the good news is you don’t have to travel far to get medical help if and when you need it.
  4. Student Handbook -Another place that you may be able to find information you are looking for is in your student handbook. You should read through this at the start of the semester to make sure that you understand the policies and procedures that are in place. This may also include details such as how to join clubs and organizations on campus, give you an idea of surrounding stores and restaurants by campus, and maybe even some student discounts!

There’s a lot of information to consider when you’re first starting college, but it shouldn’t be too overwhelming. Start early and don’t panic; make checklists of the most important stuff to know and you’ll be good to go!

Other Safety

Spring Break Safety Tips

February 16, 2022

After a few months of studying and mid-terms are out of the way, it’s time to kick back and relax for a little something that we like to call spring break. Of course, when we think of spring break, we think of partying or big expensive oversees trips, but there are other options! Whether you’re traveling to somewhere tropical abroad, or have plans to stay in the United States, that’s one essential thing to keep in mind: Safety.

Essential Safety Tips

Keep Your ID on You

It isn’t unusual for students to travel while on spring vacation. Make sure you keep your driver’s license or state-issued identification card on you at all times when you are traveling. If you end up taking an international spring break trip, you’ll want to keep your passport tucked away and out of sight; an inner jacket pocket is a great spot for this. It’s a good idea to bring a paper copy of your passport and safely keep it at your hotel if the original gets lost.

Don’t Travel Alone

The buddy system is crucial when traveling in an unfamiliar place. Staying in a group is one of the simplest ways to avoid becoming a victim of a crime. It’s beneficial for preventing encounters with pickpockets or others who have bad intentions.

It doesn’t matter if you’re going out for a stroll on the beach or are heading to the club; make sure to travel with a friend!

Even if you think someone may be trustworthy, you should still be cautious when making new friends on your trip.

Be Careful with Money and Expensive Items

Traveling with expensive jewelry or handbags is unfortunately another easy way to become a target for crime. Be mindful of what you’re wearing or what electronics you bring with you on your trip. Flashy tourists are easy to spot, especially for thieves waiting to strike.

Try to only carry small amounts of cash on your trip, and don’t keep money out where a pickpocket can reach, like a back pocket or small purse. You will need to be mindful of where your debit card is when you are out to ensure that you don’t lose it, leading to identity theft or lots of expensive charges. Consider leaving the debit card at home and traveling with a credit card instead, since those have better fraud and theft protections in place.

If you really need to travel with a high-value item or a lot of cash, lock it in the trunk of the car during your trip or another place out of sight to keep it safe when your not using it.

Tips for Drinking Responsibly

If you have plans to drink alcohol over spring break, it’s important to know how to do so responsibly. Moderation is key.

Keep these tips in mind to stay safe while drinking:

  • Don’t have more than one drink in an hour. That is a 12 oz beer, 5 oz wine, or 1.5 oz shot. Stick to having less than 2–4 drinks throughout the night. 
  • Eat before you drink and stay hydrated throughout the evening.
  • Stay away from binge drinking, which means consuming four or more drinks in two hours as it can lead to alcohol poisoning and even death.
  • The sun can intensify the effects of alcohol, be extra careful about how much you drink if you’re outside on a sunny day.
  • Be careful if you are in the ocean, a pool, or a hot tub while drinking; Hot tubs will dehydrate you quickly and make the effect of alcohol stronger. 

Finally, do not EVER leave your drink unattended. Unfortunately, date rape drugs are not uncommon among college party scenes — and they are tasteless and odorless. Don’t accept drinks from a stranger or drink out of punch bowls and open pitchers, which could contain extreme volumes of alcohol or spiked with dangerous drugs.

Practice Safe Driving

If you plan on taking a long road trip with friends, arrange to rotate drivers frequently, so everyone stays well-rested. Try to have someone in the passenger seat awake to keep the driver company. Falling asleep at the wheel can be just as dangerous as driving drunk.

Another idea you should consider is to have roadside assistance, whether it’s through a third party like AAA or your car’s warranty. Before setting out on your journey, ensure the vehicle has a spare tire, jack, and other tools needed to change a tire along with the appropriate oil levels and other fluids to function correctly. Hopefully, someone going on the trip knows how to change a tire!

Finally, this goes without saying: Don’t drink and drive. Do not allow your friends to drive if they have been drinking, and you should never get into a car with an impaired driver. There are plenty of ways to travel around and get back home, such as Uber or Lyft. 

Not traveling for Spring Break? No problem!

There are many alternatives to the traditional spring break beach party if you don’t feel like traveling. You can use this time to job shadow, do community service, visit national parks, or even take a staycation.

It can be easy to throw caution to the wind as a college student while on your break, but knowing steps to take to stay safe is important. Being safe doesn’t have to put a damper on your fun, but know that there is such a thing as too much fun, especially when involving drugs and alcohol. 

It might also be a good idea to consider getting travel insurance if you have invested a lot of money into your trip in case something happens. If you have GradGuard Renters Insurance, your belongings will also be safe if they get stolen while you are out of town with our worldwide property coverage!

Safe Travels and have FUN!

Safety Student Life Transition

Finding Your First College Apartment: A Checklist

November 29, 2021

For many young people, moving into an off-campus college apartment is an exciting first step to independence. But before you can enjoy your newfound freedom, you have to find a suitable apartment and arrange the move.

Here’s our college apartment checklist to help make the process easier.

Finding the Right Apartment

Students need to consider more than just price and location when looking for a college apartment. You should also consider:

Distance

How close to campus do you want to be? If you have your own transportation, you could expand your search to neighborhoods further away, where you may find a better apartment at a lower price. 

Safety

If you will be walking or biking to and from campus, safety should be a top concern. How safe is the neighborhood and what security features does the apartment complex have?

College community

If you want to be part of the student social scene, then an apartment near campus would probably be ideal. If, however, you would prefer less social distractions, choose a quieter neighborhood.

Amenities

What type of amenities would make your life easier — laundry facilities, communal areas like pools or gyms, or nearby restaurants and shops?

Access to public transportation

If you don’t have your own transportation, find an apartment close to public transit so it’s easy to get around.

Pets

Would you like to bring your pet? Not all apartments allow pets and those that do are likely to have some rules around pets. In addition, you may want to look into getting renters insurance that covers pet-related incidents. Note that some policies restrict certain types of breeds, like Pit Bull Terriers and German Shepherds. 

Planning Your Finances 

You may dream of a trendy studio apartment in the heart of the city, but your budget may relegate you to a more affordable option a little farther away. Finances play a big role in where you eventually settle. But with some planning, you may be able to find a happy medium. 

First, crunch the numbers:

  • What is your budget for rent?
  • Are utilities included in the rent? 
  • Will you be paying extra for a parking bay or garage?
  • How much will your public transportation or vehicle running costs amount to? 
  • Will you be paying for car and renters insurance?

If the total costs are higher than your budget allows, there are ways you can make renting a college apartment more affordable.

  • Consider a roommate. This is a great way to cut costs, but choose wisely. Pick a roommate with a similar lifestyle and habits. Remember, a bad roommate who breaks the rules could get you kicked out of the apartment. 
  • Get a part-time job. You may not even need to leave your apartment — there are online jobs for students like freelance copywriting or teaching English online.  

Preparing to Move 

Once you’ve found the right apartment, it’s time to pack. The easiest way to do it is to pack by room, i.e. kitchen, bathroom, living room, office/study area. Label boxes clearly so that the movers can immediately put the boxes in the correct room, ready for you to unpack.  

Moving Day

Moving homes is one of life’s most stressful events. With a little planning and forethought, you can breeze through it.

  • Decide on whether to move yourself or hire a moving company. Weigh up cost-saving versus time-saving. Hiring a moving company is an extra cost but it may save time and be more convenient. There are also moving companies who specialize in helping students move at more affordable rates.
  • If you’ve decided to tackle the move yourself, gather some troops to help with the heavy lifting. Mom, dad and friends may be happy to help. As a thank you, treat them to some snacks and drinks in an end-of-moving-day party.
  • Be prepared emotionally. Moving day can be emotional, not just for your parents, but also for you. Don’t worry, though, mom and dad will always be a phone call away when you need them! 

Moving day doesn’t have to be stressful. Keep these tips in mind for a smooth move!

Student Life

Guide to Decorating Your Dorm Room (+ DIY Ideas)

October 29, 2021

If you’re headed to college, you probably know about all the expenses you’ll need to make, and decorating your room is one of them. 

Decorating a dorm room can be a fun activity, but it can be expensive. Fortunately, there’s a lot you can do to avoid spending all your savings on dorm room items

Why It’s Important to Decorate Your Dorm Room

  • Dorm rooms are often small, so you need to choose the right decorations to maximize all the space and make the room look larger.
  • If you have a roommate, using the right decorations will help you get more privacy.
  • You’ll likely spend much of your time in your dorm room, so it’s important to make it as cozy as possible.
  • Decorating your dorm room can be an exciting activity and can help you relax when first move there.

DIY Dorm Room Ideas

1. Create Artwork

If you’re a creative person, you can create art to embellish your dorm room. To get started, get your paint, pens, or other means of creating artwork, and get to work!

2. Create a Photo Wall

As you start out college, you’re probably going to miss many of your friends and family members. To make them feel closer, create a photo wall and hang photos that will remind you of them every day. Then, you can add photos of your new friends to the photo wall and keep the collection growing.

2. Print a Door Hanger

Using a door hanger is one of the easiest ways to decorate your dorm room at nearly no cost. There are many you can find available for free online. Just be sure you print them out on card stock to get the best results!

3. Hang Seasonal Decorations

When vacations are coming closer, you might start missing your family. To get a holiday vibe as soon as possible, hang seasonal decorations and lights to combat homesickness.

4. Create DIY Curtains

Your dorm room probably already has curtains, but that doesn’t mean you need to keep those. Nor do you necessarily have to buy expensive ones. To personalize your dorm room, consider creating your own curtains by simply using fabric fuse tape and swatches of fabric.

5. Optimize Your Space

Like we mentioned, when dealing with a small space, it’s important to optimize its use. Start with the shelves. Use open, corner shelves or hanging shelves to organize your books, frame, and more without using all the dorm room. 

6. Use Items to Stay Organized

In addition to clothes, you need to optimize the space for your smaller items too. You can use an expandable drawer for utensils, a hanging jewelry organizer for your precious metals, and a cosmetics organizer for your makeup tools.

7. Pick a Theme

To really let your personality come through in your dorm room, make sure you pick a specific theme. First, use your favorite colors for your sheets and furniture. If you’re passionate about music, consider hanging posters of your favorite bands. If you’re a sports fan, you can use your team’s colors and gadgets to make your form room more interesting. Consider creating a zen environment in your dorm room.

Personalizing your dorm room with decorations, no matter how simple or extravagant, can make your space feel warm, inviting, and comforting. Keep these ideas in mind as you begin the decorating process!

BIO: Originally from Rome, Italy, Giacomo Rotella holds a Bachelor of Business Administration from Hult International Business School. He’s an experienced marketer with a focus on SEO.

Health Student Life

Why Renters Insurance is a Smart Buy for College Students and Families

August 10, 2021

Vaccination rates are on the rise, maskless gatherings are happening, and life is starting to look normal again. It almost feels too good to be true after the past year of Zoom classes and FaceTime birthday parties. People are ready to jump back into our daily routines and regular socializing, but before we do, it’s important to acknowledge what life is actually going to be like in the coming months. 

College is a time meant for experimentation and interaction; it’s a crucial time for young adults to develop themselves. This is why campus life experts are predicting that students are going to want to make up for lost time as they come back to school. 

It’s easy to feel like you’re in one big protective bubble while on college campuses, but it’s never been a more important time to protect yourself and your stuff with renters insurance. 

Top Reasons Students Should Buy Renters Insurance

Campuses Aren’t Closed Off to Crime

College campuses already house high rates of theft and burglary, so with the addition of post-pandemic craziness, your stuff is more vulnerable to being stolen or damaged than ever. 

But the fact is, student housing and apartment complexes are often targeted by thieves. In fact, at least 30,000 burglaries related to college students and campuses are reported each year, according to the U.S. Department of Education Campus Safety and Security. After buying a renters insurance plan, be sure to take pictures of everything you own, especially your most valuable items in case you do become a victim of theft or malicious damage. This will help you file a claim for reimbursement. 

Don’t expect your school to replace your stuff 

The Return of the Roaring ’20s

The phrase: “history repeats itself” is certainly true for the Roaring ’20s. Following the resolution of the Spanish Flu in 1920, the United States burst into a period of great economic and social growth. Roughly after two years of dealing with the effects of the influenza pandemic, people were eager to get out and celebrate, and they did indulgently. 

As we transition into post-pandemic life, the resurgence of the roaring 20s is becoming more prevalent. College-aged students are rushing to fill their time with various social gatherings. With this new onslaught of reckless and impulsive activity, college campuses will be bustling with chaos come fall. This is why you should consider purchasing a renters insurance policy.

Renters Insurance can help you to avoid becoming a victim to the inevitable Animal House culture that experts say will take over colleges and universities this fall, whether it be on or off-campus. Don’t wait for a sprinkler system to ruin your dorm room or for your laptop to go missing. GradGuard’s protection plans are designed for college life. Find the plan that’s right for you today.