FAQs About Student Tenant Insurance

Learn everything you need to know about student tenant insurance with these FAQs.

As a student living in a rented space, you may not be aware that your landlord’s insurance policy does not cover your personal belongings or liability. Student tenant insurance, also known as student renters insurance, can provide you with the financial protection you need in case of unexpected events such as theft, fire, or water damage. However, many students are unsure about what student tenant insurance covers, how much coverage they need, and how to file a claim. In this article, we will answer some of the most frequently asked questions about student tenant insurance to help you make informed decisions and protect your assets while studying.

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1. What Is Student Tenant Insurance and Why Do I Need It?

Student tenant insurance is a type of insurance that provides coverage for your personal belongings and liability protection while you’re renting a place to live. It’s important to have renters insurance because your landlord’s insurance policy typically only covers the building itself, not your personal belongings.

2. How Much Does Student Tenant Insurance Cost?

The cost of student tenant insurance varies depending on several factors, such as the location of the rental property and the amount of coverage you need. On average, renters insurance for college students costs around $15 to $20 per month. APOLLO offers student tenant insurance coverage starting at just $11/month, so you can have peace of mind without breaking the bank.

3. What Types of Events or Situations Are Covered Under My Student Tenant Insurance Policy?

Student tenant insurance policies typically cover a range of events and situations, providing you with financial protection and peace of mind. Some of the most common events or situations covered under a student tenant insurance policy include:

• Theft or burglary of your personal belongings, such as your laptop, phone, or furniture.

• Damage to your personal belongings caused by fire, smoke, water, or other natural disasters.

• Liability coverage in case someone is injured while visiting your apartment or if you accidentally damage someone else’s property.

• Additional living expenses coverage in case you need to temporarily relocate due to a covered event, such as a fire or flood.

Related Read: What Does (And Doesn’t) Renter’s Insurance Cover?

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4. Are There Any Exclusions or Limitations to My Coverage That I Should Be Aware Of?

While student tenant insurance policies offer valuable protection, there may be some exclusions or limitations to your coverage that you should be aware of. Some common exclusions or limitations include:

• Damage caused by floods or earthquakes, which may require separate insurance coverage.

• Damage caused by intentional acts, such as vandalism or theft committed by a roommate or guest.

• Damage caused by unapproved subletters or illegal activities taking place in your apartment.

• High-value items such as jewelry, artwork, or collectibles may have limited coverage, and you may need to purchase additional coverage for these items.

Your policy may have a limit on the total amount of coverage, and you may need to purchase additional coverage if you have high-value items or if you need more coverage than your policy provides.

Related Read: How to Choose the Right Tenant Insurance Coverage Limits

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5. How Do I File a Claim if I Experience a Loss or Damage to My Personal Belongings?

If you experience a loss or damage to your personal belongings, you should contact your insurance provider as soon as possible to file a claim. You will need to provide information about the loss or damage, as well as any documentation that supports your claim.

How to file a claim with APOLLO

For APOLLO student tenant insurance policyholders, we make it easy to file your claim in just three easy steps:

Step 1: Event Documentation

Create your report with as many details about the loss as you can. This should include the time it occurred, what was damaged, the cause, and how to prevent further damage.

Step 2: APOLLO Support

Log in to the policy portal and select the option to make a claim. You'll be guided to provide the necessary claim details to begin the process.

Step 3: Claims Submission

APOLLO will submit this information over to our insurance claims adjusters to open the notice, and we will remain actively involved to advocate for you and your claim.

Related Read: Top 10 Reasons Why Your Tenant Insurance Claim May Be Denied

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6. Can I Make Changes to My Policy, Such as Adding Additional Coverage or Updating My Personal Information?

Yes, you can make changes to your policy such as adding additional coverage or updating your personal information. Contact your insurance provider to make any changes to your policy.

How to update your student tenant insurance policy with APOLLO

Updating your APOLLO student tenant insurance policy is a simple process. Here are the steps to follow:

1. Log in to APOLLO’s Policy Portal

All we need is the email address associated with your tenant insurance policy and we’ll email you a one-time login code. From here, you can access our Policy Portal to update and modify your tenant insurance policy.

Related Read: How to Modify Your Policy Using APOLLO’s Policy Portal

2. Review your policy

Once you’ve logged into APOLLO’s Policy Portal, you can review your current tenant insurance policy to determine if any changes are needed. This includes reviewing your coverage limits, deductibles, and any exclusions or limitations.

3. Provide updated information

If you need to update your address, personal information, or the value of your personal belongings, you can change this information on APOLLO’s Policy Portal. This will ensure that your policy is up to date and that you have adequate coverage.

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7. How Can I Renew My Policy When It Expires?

Renewing your student tenant insurance policy is a simple and straightforward process. APOLLO will send you a renewal notice before your policy expires, outlining the details of your new policy and any changes in coverage or premiums. To renew your policy, you’ll need to follow these steps:

• Review the renewal notice and make sure that all the information is correct.

• Pay your renewal premium before the policy expiration date to avoid a lapse in coverage.

• If you need to make any changes to your policy, such as increasing your coverage or changing your deductible, contact your insurance provider to discuss your options.

• If you do not wish to renew your policy, make sure to notify APOLLO before the expiration date to avoid any penalties or fees.

It’s important to review your policy each year to ensure that you have the right coverage for your needs and that you are getting the best value for your money.

8. What Steps Can I Take To Ensure That I Am Fully Protected Under My Policy?

To ensure that you are fully protected under your policy, you should document your personal belongings and secure your rental property. This can help provide evidence in case you need to file a claim.

APOLLO offers effortless insurance coverage with our student tenant insurance policy. Get a free quote in less than a minute and we’ll send your unique policy documents directly to your inbox.

Looking to learn more about student tenant insurance? Read our article Differences between Student Tenant and Tenant Insurance for more information.

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