Renters Insurance

  • Background
  • Why do I need Renters?
  • Contacts

On college campuses, backpacks are often filled with thousands of dollars of electronics and books, and student bicycles and other valuables are often targets for criminals. Remember you are responsible for replacing stolen or damaged property, not your school. If you cannot afford to replace your personal property, you may benefit from enrolling in GradGuard’s Renters Insurance.

GradGuard Renters Insurance is a smart investment for college students and their families. With our Renters Insurance plan, any personal items that are stolen or damaged by a covered cause of loss can be replaced at replacement cost subject to a $100 deductible. This includes clothing, computers/laptops/tablets, smart phones, bikes, game consoles, textbooks, furniture, and more. GradGuard Renters Insurance also protects you financially for unintentional damage to your University Housing or bodily injury to others for which you are liable, within your residence premises. With deductibles as low as $100 and low monthly rates, Renters Insurance is a good fit for students.

Renters Insurance is ideal for:
  • Undergraduate students living off campus or in a residence hall
  • Graduate students living off campus
Features include:
  • Low $100.00 Deductible. Compared to $500, $1000, or more for a typical Homeowners Insurance policy.
  • Replacement Cost. This protection provides you with the cost of your belongings, so they can be replaced with an item of like kind and quality if they are damaged or lost due to a covered peril.
  • Worldwide coverage — Your belongings are protected even outside your home. If you are traveling or your car gets broken into, GradGuard Renters Insurance can help cover property losses outside your residence.
  • Electronics coverage — Your electronics, including your TV, laptop, smartphone and tablet, are covered up to the policy limits. There is no special limit.
  • Personal Liability Coverage. If you cause damage to property or injure others, you may be liable for the damages. Renters Insurance from GradGuard provides up to $300,000 in personal liability coverage. For example, if you unintentionally set off your building’s sprinkler system, liability protection can help pay for the resulting damages.
  • Alternative to Homeowners Insurance. Not all Homeowners Insurance policies are the same, however, limitations may apply when property is away from the principal residence. With Renters Insurance, personal belongings are covered whether you are on-campus, off-campus, or traveling anywhere in the world, up to the policy limits.
Property Covered:
  • Personal computer
  • Bicycle
  • Television or stereo system
  • Cell phone or PDA, like a Blackberry or iPhone
  • Books and school supplies
  • Clothes
  • Jewelry*
  • Musical instruments
  • And more...

For pricing and coverage details, please click on “Get A Quote” or call (866) 572-1624.

This is a brief description of GradGuard Renters Insurance. Please call to speak with an agent for policy specific information, including limitations and exclusions. Coverage may vary by state.

GradGuard Renters Insurance is underwritten by Markel American Insurance Company, Waukesha, WI. The advertised product is not available in AK, CT, FL, and RI. Other program options are available for these states. Claims and coverage subject to policy, language, limits and exclusions.

A common misconception among students and campus residents is that their school will cover or replace their belongings in the event of a loss, but in most cases it will not. As a result, all residents may benefit from renters insurance that includes both personal protection and liability coverage.

Customer Service Information Hours: 8am-9pm EST, Monday-Friday
  • For families interested in purchasing a policy or getting additional information, please use this toll-free number: (866) 572-1624
  • For families that have already purchased a policy and need to submit a claim or have customer service questions, please us this toll-free number: 866-985-7598
To get a quote online, please click the link below that best describes you or
to get a quote over the phone please call (866) 572-1624.

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