Why College Students in Lancaster, Ohio Need Renters Insurance

College is an exciting time filled with new experiences — but it also comes with responsibilities. One important (but often overlooked) task is protecting your personal belongings in your college rental. That’s where renters insurance for college students comes in.

If you’re attending college in or around Lancaster, Ohio, and renting off-campus housing, renters insurance is a simple, affordable way to get peace of mind — and potentially save money when you bundle it with other services from Bill Palmer Insurance.

Colleges Near Lancaster, Ohio

Lancaster is located in a vibrant area with several colleges and universities within a 60-mile radius. These include:

- Ohio University – Lancaster
- Ohio University – Athens
- Ohio State University – Columbus
- Capital University – Bexley
- Denison University – Granville
- Otterbein University – Westerville
- Columbus State Community College

Whether you’re living in a rental house with roommates near Ohio State or leasing a studio apartment near Ohio University, renters insurance offers valuable protection that your landlord’s policy won’t cover.

What Is Renters Insurance — and What Does It Cover?

Many college students assume their belongings are covered by their landlord or their parents’ homeowner’s policy, but that’s often not the case. A landlord’s insurance only covers the building itself — not your personal items or liability.

Renters insurance typically covers:

Personal Property
If your belongings are stolen or damaged by a covered event (like fire, theft, or vandalism), renters insurance helps you replace them. This includes things like laptops, TVs, textbooks, furniture, and clothing — all the essentials that would be expensive to replace on your own.

Liability Protection
If someone is injured in your rental space, you could be held liable for their medical costs or legal fees. Renters insurance provides liability coverage in case of accidents.

Additional Living Expenses
If your rental becomes uninhabitable due to a covered event (like a fire), your policy may help pay for temporary housing, meals, and other living expenses while repairs are being made.

How Affordable Is Renters Insurance?

Here’s the good news: renters insurance for college students is surprisingly affordable. Most policies cost between $10 and $20 per month — less than what many students spend on streaming services.

When you consider the value of your laptop, phone, textbooks, clothes, and other personal items, a small monthly premium makes a lot of sense. One unexpected event — like a break-in or kitchen fire — could cost you hundreds or even thousands of dollars without coverage.

Bundle and Save with Bill Palmer Insurance

At Bill Palmer Insurance, we know college students are often looking for ways to save. That’s why we offer the ability to bundle your renters insurance with other policies — like auto insurance — to save even more.

Bundling not only simplifies your insurance needs by keeping everything under one roof, but it can also qualify you for significant discounts. Whether you’re driving to class, renting an off-campus apartment, or just looking to protect your stuff, we can help you create a customized policy package that fits your life and your budget.

Why College Students in Lancaster Should Care

Students in Lancaster and surrounding areas — from OU-Lancaster to OSU in Columbus — face the same risks as anyone else renting a home or apartment. Renters insurance may not be required, but it’s one of the smartest and most cost-effective ways to protect your finances during college.

Renters insurance for college students helps safeguard your property, reduce liability risk, and ensures you don’t have to rely on savings — or parents — to recover from unexpected losses. And when you bundle it through a local, trusted provider like Bill Palmer Insurance, it’s even more affordable and convenient.

Get Covered Before It’s Too Late

Whether you’re moving into your first apartment or returning for another semester, now is the time to look into renters insurance. Accidents happen — but with the right coverage, you’ll be prepared.

Let the team at Bill Palmer Insurance in Lancaster, Ohio help you explore your options, find affordable rates, and bundle coverage to save.

Why Renters Insurance Is a Smart Move