As the final days of August roll in, many college students are still transitioning into dorms, apartments, or off-campus housing. Whether your student delayed their move, transferred schools last-minute, or just finalized a lease, now is the perfect time to secure renters insurance.
At ABQ Insurance, we’re helping families across New Mexico take care of this often-overlooked (but critically important) step before the school year is fully underway. Even if your student has already moved in—it’s not too late to get covered.
🎒 What Renters Insurance Covers
Renters insurance is a simple, affordable way to protect your student’s personal property against:
- Theft (like stolen laptops or bikes)
- Fire, smoke, or water damage
- Vandalism or accidental breakage
- Guest injuries that result in liability claims
- Additional living expenses if the rental becomes unlivable
And yes—it even helps in those all-too-common college scenarios involving roommates, small kitchen disasters, or unexpected maintenance issues.
🏡 What About Homeowners Insurance?
Some parents assume their homeowners policy will extend to their student’s off-campus rental—but most policies only offer limited off-premises protection, often with high deductibles and strict item limits.
If you’re searching for a homeowners insurance quote Albuquerque NM families rely on, our agents can help review your current policy and recommend a renters policy that fills the gaps.
🎓 Why Now Is the Time to Act
- Landlords may still require it. Even after move-in, many property managers request proof of coverage to finalize lease agreements.
- The risks start the moment they move in. Delaying coverage leaves electronics, textbooks, and furniture vulnerable to damage or theft.
- Coverage can start immediately. There’s no waiting period—protection begins as soon as your student is insured.
💰 Renters Insurance is Surprisingly Affordable
Most policies cost less than a few cups of coffee per month—but can save families thousands if something goes wrong. It’s a smart move at any point in the semester.
📝 Final Thought
The back-to-school season moves fast, but there’s still time to protect what matters most. Whether your student just got the keys or already unpacked, renters insurance is one last thing to check off the list before September arrives.
Reach out to ABQ Insurance today—we’ll help you set up the right renters policy and make sure your family starts the school year with peace of mind.
