UNIVERSITY DAILY KANSAN
Friday, April 28, 1995
7A
Renters also need insurance
By Teresa Veazey Kansan staff writer
Leslie Jones, Lawrence graduate student, didn't have renters insurance when his apartment was damaged by heavy smoke and water.
After a fire April 21 gutted the apartment above his, he said he strongly recommended it.
Judy Morris, part owner of Master Plan Management, which oversees 350 residential units, said she also recommended it.
Owners and landlords are not responsible for the contents or personal items in rental units, she said. Unless there is some sort of landlord or owner negligence, there is no way for students to recover their losses if something were to happen. Renters insurance protects residents from such things as burglaries, tornadoes or fires.
Chris Hutchens, career agent for Farm Bureau Insurance, said the biggest misconception was that renters insurance was expensive. With a basic policy, students could pay $80 a year. He said there were policies that would cover everything students own and insure them if something happened, such as fire or burglary.
"People really own a lot more than they think they own," said Hutchens. "If you lose all of that,
there's no way to replace it."
Hutchens said Farm Bureau offered a basic policy of $10,000 that would include loss-of-use coverage. The policy would pay for students to find another place to live until they found a permanent place of residence.
Students might not need renters
insurance if they are covered under their parents' homeowner's policy, said Karen McDaniel of Jesse Longoria Insurance, 2209 Rodeo Dr. "The first thing would be to check and see if they're covered by their parents' insurance," McDaniel said. "If not, that would be the time to check
Allstate Insurance, said many students underestimated the amount of things they had to insure. A typical apartment would be insured for about $20,000 with a $125 premium, he said. At Allstate, students would have the option of setting up a monthly payment plan with the minimum payment being $23 a month.
into getting some insurance."
While monthly payments might seem to be a burden for students, renters insurance is worth the cost, McDaniel said.
"It's a good thing for them to have," she said. "You never think it's going to happen to you."
Jen Kremer
Bartlesville, Okla., junior
Kermit Cottrell, agency head for
Jen Kremer,
Bartlesville,
Okla. junior,
lives in an
apartment and
doesn't have
renters insurance.
"I don't have that much stuff of value," she said. "Basically, my computer's the only thing."
Kremer said none of her roommates had
renters insurance, and several friends didn't either. Kremer said she didn't want to pay for something she'dprobably never use.
"I'm not worried about people breaking in," she said. "I never really worried about fire until the guys below us barbecue."
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