Norgaard Insurance Agency

08/26/2026

Short answer, yes! Talk with your independent agent about all of your motorcycle insurance needs.

08/23/2026

Don't let unexpected events ruin your outdoor adventures! Protect your RVs and trailers with insurance coverage.

Get in touch with us today to talk about and .

08/21/2026

Worried about finding the best coverage for you and your employees?

08/19/2026

Even if you are renting your home, it is still important to consider personal property insurance.

08/16/2026

Want to take your pet with you on your next adventure? Remember these do's and don'ts!

08/14/2026

Do you have an emergency kit for your car?

08/11/2026

Do you have a plan in place if a tornado comes?

08/10/2026

Do College Students Need Renters Insurance?

It’s a pretty big deal – leaving the comfort of your forever home for your new college abode. Whether it’s the first time you’ve moved or the tenth, packing up your entire life is quite a job. Your clothes, gaming consoles, furniture, laptop, books, the list goes on.

The list really does go on! Have you ever taken a step back to think about how much money all of your possessions amount to? Your personal items are likely worth thousands of dollars. Whether you’re living in a dorm or an off-campus apartment, it’s important to make sure your personal property is covered.

What if I live in a dorm?
Often times the majority of your belongings should be covered under your parents homeowners or renters insurance policy if you’re living in a dorm. Double check with your local agent to make sure, but the National Association of Insurance Commissioners says that students who are younger than 26 and living on campus may be covered through their parents' policy.

It’s important to understand the policy’s coverage limits for personal property. There are some policies that may limit coverage for belongings while they are away from home, such as your property you’ve moved into your dorm. This is often referred to as “off-premises coverage”. For example, if your parents' policy provides $300,000 worth of coverage for belongings, but limits that coverage to 10 percent for items that are off-premises, it may provide up to $30,000 for items away from their home, including belongings you bring to school.

It’s also important to note that some items, such as antiques or expensive jewelry, may have coverage limits or cause of loss limitations of their own. If these items don’t carry a high enough limit of coverage, your parents might consider adding scheduled personal property coverage to their homeowners policy to help protect certain valuable belongings.

What if I live off campus?
More often than not, if you’ll be living in off-campus housing, your parents’ insurance probably will not extend to the items you bring with you to school (always check with your agent to be certain). You might consider purchasing your own Renters Insurance Policy to help pay to repair or replace your property if it is stolen or damaged by a covered risk. A covered risk, often described as a "peril" in insurance terms, is a cause of damage that is covered by your insurance policy. Examine your policy to learn what risks it may cover, such as theft or fire.

An added perk of having your own Renters Insurance Policy is having liability coverage, which can help prevent you from paying out of pocket if you are found legally responsible for someone else's injuries or accidental damage to their property (including your landlord's).

It’s a pretty big deal – leaving the comfort of your forever home for your new college abode. Whether it’s the first time you’ve moved or the tenth, packing up your entire life is quite a job. Your clothes, gaming consoles, furniture, laptop, books, the list goes on.The list really does go o...

08/09/2026

Save this checklist to keep your summer fun on the water going!

08/06/2026

Do you have the right coverage for your vehicle?