{"id":16082,"date":"2022-01-04T14:39:52","date_gmt":"2022-01-04T20:39:52","guid":{"rendered":"https:\/\/www.vanderbilt.edu\/ohare\/?page_id=16082"},"modified":"2026-04-07T15:43:00","modified_gmt":"2026-04-07T20:43:00","slug":"student-renters-insurance-requirement","status":"publish","type":"page","link":"https:\/\/www.vanderbilt.edu\/ohare\/student-renters-insurance-requirement\/","title":{"rendered":"Student Renter&#8217;s Insurance Requirement"},"content":{"rendered":"<p>As noted in the Housing Contract, the University is not liable for damage to property or injuries arising out of a resident&#8217;s occupancy of their assigned rooms, except if such damage or injury results from negligent acts or omissions by the University.<\/p>\n<p>As a resident, you are liable to the University and others for loss or damage caused by your actions or those of your guests. You are required to maintain adequate property and liability insurance that includes the following:<\/p>\n<ul>\n<li>Personal Property Insurance: covering the students belongings while on campus, with a limit adequate to repair or replace the student\u2019s personal property in the event of loss, damage, or theft.<\/li>\n<li>Personal Liability Insurance: with a limit no less than $100,000 and include coverage for student-caused water damage or fire damage to adjacent spaces.<\/li>\n<\/ul>\n<p>These insurance requirements are minimum requirements only. The university does not warrant or represent that this coverage will be adequate or sufficient to protect you or your guests from liability. We recommend that you discuss your specific insurance needs with an authorized insurance agent. Required insurance may be provided by a standalone Renter&#8217;s Insurance Policy or by endorsement or extension from a Homeowners Insurance Policy maintained by you or by a Parent\/Guardian\/Family Member.<\/p>\n<p><b>Fully compliant renters&#8217; insurance may be obtained from:<\/b><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li><a href=\"https:\/\/gradguard.com\/renters\/vanderbilt\">GradGuard Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>Frequently Asked Questions:<\/strong><\/h2>\n<div class=\"su-accordion su-u-trim\"><\/div><div class=\"su-spoiler su-spoiler-style-fancy su-spoiler-icon-plus su-spoiler-closed\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span> <strong>Why do I need renters insurance?<\/strong><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p>Unexpected things can and do happen in college residence halls.\u00a0 Renters insurance for a residence hall room is important in<strong>\u00a0<\/strong>protecting your electronics, valuables, and personal property. This insurance will not only safeguard your personal items from damage or theft, but it will also provide you and your family with financial relief if you\u2019re ever liable for any damages that occur in the residence hall.<\/p>\n<p>In addition, as stated in the university Housing contract, residents are required to maintain adequate property and liability insurance while living in campus residence halls.<\/p>\n<\/div><\/div>\n<div class=\"su-accordion su-u-trim\"><\/div><div class=\"su-spoiler su-spoiler-style-fancy su-spoiler-icon-plus su-spoiler-closed\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span> <strong>What does renters insurance typically cover?<\/strong><\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p>Renters insurance policies typically cover personal belongings such as electronics, computers, books, clothing, bicycles, etc. Fully compliant policies should also include personal liability protection with a limit of no less than $100,000 in the event a resident (the insured) is found legally liable for property damage or bodily injury to others in the resident\u2019s building.<\/p>\n<\/div><\/div>\n<div class=\"su-accordion su-u-trim\"><\/div><div class=\"su-spoiler su-spoiler-style-fancy su-spoiler-icon-plus su-spoiler-closed\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-spoiler-title\" tabindex=\"0\" role=\"button\"><span class=\"su-spoiler-icon\"><\/span> <strong>Who do I contact if I have questions about renters insurance?<\/strong> <\/div><div class=\"su-spoiler-content su-u-clearfix su-u-trim\">\n<p>In the event of an incident, students should reach out to their insurance agent directly to discuss the next steps specific to their policy.\u00a0 For other questions and assistance, you may email <a href=\"mailto:riskandinsurance@vanderbilt.edu\">riskandinsurance@vanderbilt.edu<\/a> to schedule an appointment.<\/p>\n<\/div><\/div>\n<h6>Student Health Insurance Plan &amp; Renters Insurance Video<\/h6>\n<p><span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"750\" height=\"422\" src=\"https:\/\/www.youtube.com\/embed\/1V9Ke3-iN7Y?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=en-US&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation\"><\/iframe><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As noted in the Housing Contract, the University is not liable for damage to property or injuries arising out of a resident&#8217;s occupancy of their assigned rooms, except if such damage or injury results from negligent acts or omissions by the University. As a resident, you are liable to the University and others for loss&#8230;<\/p>\n","protected":false},"author":1817,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"spay_email":"","_links_to":"","_links_to_target":""},"tags":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PbvFuz-4bo","_links":{"self":[{"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/pages\/16082"}],"collection":[{"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/users\/1817"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/comments?post=16082"}],"version-history":[{"count":23,"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/pages\/16082\/revisions"}],"predecessor-version":[{"id":18751,"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/pages\/16082\/revisions\/18751"}],"wp:attachment":[{"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/media?parent=16082"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vanderbilt.edu\/ohare\/wp-json\/wp\/v2\/tags?post=16082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}