Are you paying too much for your students possessions insurance? If so, simply find the company that best matches your individual profile using the Insurance Quote finder or get an online quote direct from the top home insurers for students possessions listed on the right.

Alternatively, read our guide below concerning what you need to know regarding student personal possessions insurance.

Students Insurance Guide

A student will most likely either share a dormitory in the University campus or rent a private room or house. Although it is true that most students are asset poor it is likely that some will own valuable possessions nonetheless. Typically, these consist of laptops, mobile phones, personal computers, printers, hi-fi, digital cameras, study books, musical instruments, dvd’s, cd’s, jewellery and watches.

The main threat posed to student possessions is theft, followed by malicious and accidental damage. Students insurance policies are usually designed to offer protection against these hazards along with burst pipes, fire, vandalism, storm and flood that cause loss and damage.

Before deciding to cover your possessions for a specified limit, find out what the basis of students insurance cover is. This can vary between new for old and ordinary which deducts amounts for wear, tear and depreciation. Certain providers of insurance for students possessions include useful features such as loss of keys cover, accidental damage, holiday cover should you leave your possessions in your student room for a specified length of time, insurance cover for items outside of the room (these are stated on the policy and usually include watches, jewellery, photographic equipment, mobiles and sports equipment) and legal expenses. Look out for students possessions policies that compensate you for course fees already paid up to stated amounts. This applies in the event you have to leave your course early, as a result of circumstances beyond your control such as your illness.