College Renters
Insurance

Colleges, universities, and off-campus property management companies don’t replace stolen bicycles or backpacks, but GradGuard College Renters Insurance can. Our coverage is designed for college life, and contains exclusive features for students and families that you can’t access with other companies.

Get a quote ➜

Policy highlights

GradGuard College Renters Insurance provides unique student-focused coverage, through an exclusive student endorsement. What does that mean? Well, it means you’ll have access to features that you can’t find in your standard homeowner’s insurance policy or through other companies. Here are a few examples:

Low deductible

GradGuard's standard deductible offer is $100 and only applies to personal property coverage.

No credit scoring

No credit score? No problem. Everyone on-campus receives the same price, no matter your credit history.

Worldwide property coverage

Your belongings, including rented property, can be protected from covered perils anywhere in the world!

Personal liability coverage

If you unintentionally damage your place of residence, GradGuard can help.

Protect Your Stuff

Personal property

GradGuard College Renters Insurance is designed for students. Your rates won't go up if you file a claim, there are no sneaky on electronics coverage, and there are no penalties for 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.

Cell phones

Laptops

Clothing

Bicycles

Textbooks

Gaming systems

Furniture

Jewelry*

*A special limit applies to this item. Please call to speak with an agent for policy specific information.

What does Renters Insurance Cover?

Covered perils

are events that lead to a loss. Think of your bicycle being stolen as you go to grab a cup of coffee in the union or your computer being damaged after a burst pipe in the residence hall. Life happens, even while you're away at college.

Theft and vandalism

Theft is the most common reason students file claims.

Fire and smoke

What can we say? Sometimes students forget to put water in their instant mac-and-cheese and leave it in the microwave for 20 minutes.

Burst pipes and sprinkler-head discharges

Water fountains in the residence hall lobby are only cool if they were designed to be there in the first place. Our coverage can help you get back on your feet when water has damaged your stuff and you need some help.

Trusted by over 600 colleges and universities

The renters insurance is underwritten by Markel American Insurance Company (NAIC #28932) or Markel Insurance Company (Florida only) (NAIC #38970), 4521 Highwoods Parkway, Glen Allen, VA 23060. Policyholder services are provided by Next Generation Insurance Group, LLC. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Terms and conditions for rates and coverages varies. All insurance products are governed by the terms, conditions, limitations, and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions, and exclusions. Any information on the site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products.