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Student Housing Insurance
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Posted On :
Jun-11-2009
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Article Word Count :
468
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At this time of year people are beginning to think seriously about where they are going to go to University.
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At this time of year people are beginning to think seriously about where they are going to go to University. Most will have submitted applications and be working towards their grades and be travelling around the company visiting open days and trying to work out where is the best place for them to go.
A recent survey of current students has found that this generation of students has taken an average of £1,400 worth of possession to university with them, and next year’s intake will only push this number up. Personal possessions are growing in value and the likes of MP3 players, laptops, musical instruments and even clothes don’t come cheap.
This make universities prime targets for thieves. It’s rare to get through a university year without news of at least one serious spate of burglaries. One of the problems is that many universities have old apartment blocks that don’t really match up to modern security standards. Of course, even the safest block is useless if someone can knock on the door and ask to be let in to see a ‘friend’.
For that reason, whilst it might not be the first thing that leaps to mind, it’s important to have proper insurance when you go to university. You might find that your possessions are insured under your parents home insurance policy, but you should make sure before you go. If they are not many universities have close connections with specialist insurers who can offer you good deals, but that doesn’t mean that they’re the best out there.
Any insurance policy can only be for one year as most students change accommodation between their first and second years, and most commonly find themselves in private accommodation in their second and third years. This leads to a more complex insurance predicament as most universities have specialist insurers who deal with on-campus insurance coverage.
Most landlords will have their own buildings insurance, but your contents will not be covered. “Student” areas in cities are targets for thieves, and it can be difficult to sort out conventional insurance as each room is essentially a different person’s “home” and no one wants to have their policy affected by someone else’s possessions.
More often than not an insurance provider will be able to help you out. As with tenant’s insurance it can be cheaper to have some expensive items not included on your policy but on their own separate policies.
Theft is one of the main dangers to students, particularly second and third years, and nothing can be more disruptive to your university career than suffering a theft. Co-Operative Finance are one company who are offering good home insurance deals at the moment and might be the ideal place to look for a good policy.
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Article Source :
http://www.articleseen.com/Article_Student Housing Insurance _1083.aspx
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Author Resource :
Simple, straight forward home insurance cover from The Co-Operative Insurance.
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Keywords :
home insurance,
Category :
Finance
:
Insurance
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