Renters Insurance

Before purchasing a renters insurance policy, it's advisable to check with your parents to determine if their homeowner’s policy covers your belongings; in most cases, it will negate the need for additional coverage. Another option is to inquire with the company providing your auto insurance, as some may offer additional coverage for personal belongings.

While many properties in Stillwater may insist on requiring you to purchase renters insurance from them, having existing renters insurance exempts you from compulsory purchases. The Off-Campus Student Association advocates that it's in your best interest to obtain renters insurance from an external source.

For those interested in obtaining renters insurance, creating a comprehensive inventory of the items to be covered is recommended, including receipts for items you have purchased. Some insurance companies have minimum coverage requirements, necessitating belongings that meet or exceed this threshold before policy issuance.

Additionally, most companies typically require all roommates to be covered under the policy. It's crucial to discuss this with your roommate(s) before moving in, as obtaining coverage is generally advantageous. Complications can arise with relocations or changes in roommates, so consulting your insurance agent before purchasing a policy is prudent.

To assist in finding suitable insurance, the Off-Campus Student Association has compiled a list of insurance agents in Stillwater who are available to help assess and address your renter’s insurance needs: