Student Housing Insurance
Everything you need to know about Student Housing insurance to protect your property and income
At Rogue Risk, we help property owners, including those who own student housing “Win” the insurance game by not just reducing their insurance premiums, but the Total Cost of Risk.
Our proprietary student housing insurance program will help you free up cash flow that can back into your pocket or your next income property.
NOTE: If you are NOT currently working with Rogue Risk please do not assume you have coverage for student housing rentals. Many insurance companies still exclude student housing from coverage.
The good news is, our process is simple and straight-forward. Get a quote today and let us show you.
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Student Housing Insurance FAQ
Student Housing Insurance is a liability and property insurance policy specifically designed to meet the needs of landlords renting to students. Student Housing Insurance can also include additional package insurance coverage such an Inland Marine, Umbrella and Commercial Auto if needed.
Building types covered under Student Housing Insurance on-campus and off-campus include:
- Apartment Buildings & Complexes
- Boarding Houses
The type building is often less of factor in coverage than the condition, maintenance, renting procedures and security of the building.
The cost of Student Housing Insurance can vary widely depending on many different factors including:
- Location of building
- Type of building
- Age and condition of building
- Past loss history
- Safety and security procedures
Depending on the insurance carrier there will always be additional factors impacting cost as well. The key is partnering with a landlord insurance specialist like our team at Rogue Risk.
Most Student Housing Insurance policies are fairly comprehensive in nature, including coverage for:
- Owners contents (appliances, furniture if supplies),
- Loss of Rental Income as a result of an insured loss
- Owners Liability for Bodily Injury or Property Damage to others
- ...and more.
When it comes to proper coverage it's important to talk to your insurance agent about what specifically is included and excluded from the insurance policy as coverage will vary from insurance carrier to insurance carrier.
Yes. You absolutely should carry at a minimum $1,000,000 in Umbrella/Excess Liability when you own student housing. Students (and young adults in general) can make bad decisions (as well as accidents) and in the event there is bodily injury the cost of a claim can add up fast.
Umbrella insurance provides an additional layer of liability protection in the event something bad happens.
Student Housing Insurance Carriers
We are very selective in the student housing insurance carriers we choose to partner with at Rogue Risk. Not all insurance carriers are created equal. Our clients are placed with only the best homeowners and rental property insurance companies, that show up when there is a claim. Here are a few of the partner carriers we choose to place our clients with…
We built an entirely new insurance process tailored to your unique needs as an Student Housing property owner
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Are you ready to save time, money and reduce your total cost of risk?
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