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College Renters

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.

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.

Sudents studying and chatting next to a dorm bunk bed
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 sub-limits on electronics coverage, and there are no penalties for depreciation. 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.





Gaming systems

Cell phones

What does Renters Insurance Cover?

Covered perils

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.

A woman shocked at damages to her wardrobe and office space

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.

View sample policy

Knowing the facts

Make an informed decision


Campus fires

* Clery Act data

* This is the average annual number of campus fires reported for the period of 2009 to 2021, according to Clery Act data.


Average number of campus robberies and burglaries

* Clery Act data

* This is the average annual number of campus robberies and burglaries reported for the period of 2009 to 2021, according to Clery Act data.


Total liability coverage held by GradGuard members

* As of April 2022

* $1,619,100,000 is the total liability coverage held by GradGuard members as of April 30th, 2022.

Trusted by nearly 600 colleges, universities, and student housing companies

Coverage is provided by Markel American Insurance Company and/or Markel Insurance Company and underwritten by Markel Service, Incorporated, national producer license # 27585, in California d/b/a Markel Insurance Services, license # 0645481. 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.