Generally, renter’s insurance can protect you from loss due to fire, storms, smoke, burglary, etc. Georgia Tech recommends that both on- and off-campus residents obtain some type of renter’s insurance, whether their own policy or as part of their family homeowner’s policy.
It is important that residents secure their own coverage, as Georgia Tech does not assume any legal obligation for damage to property or injury (per the contracts cited below), and it is not typical for rental properties to offer coverage for a renter’s personal property.
Coverage is often available for less than $14/month, and there are many companies that offer insurance specifically for college students. We strongly encourage residents to obtain renters insurance prior to moving onto campus, but you can begin coverage at any time.
Student's are able to sign up or decline GradGuard* insurance during the room selection process.
*GradGuard is provided as a courtesy in the application process. It is not required. Residents are encouraged to insure their personal belonging, as Georgia Tech does not assume any legal obligation for damage to property or injury. GradGuard may be purchased or declined as part of the self-selection process. Additional options are provided below as a courtesy. Georgia Tech is not a party to any renter's insurance agreements and is not a partner, agent, employee, independent contractor, or subcontractor for any company or leaser providing renter's insurance. Other insurance providers:
- Lemonade
- NSSI
- Renter’s coverage is also typically available through homeowners and car insurance providers such as Progressive, State Farm, USAA, and AllState.
Georgia Tech is not a party to any renter's insurance agreements and is not a partner, agent, employee, independent contractor, or subcontractor for any company or leaser providing renter's insurance.
Learn more about safety in the halls
We recommend you review this video about how renter's insurance works, as well as this page with specifics about renter's insurance in the State of Georgia.
From the Housing and Residence Life contract:
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(Section VIII): Georgia Institute of Technology, its officers, employees or agents are not responsible for the loss, damage, or destruction of the Student’s personal property. Although precautions are taken to maintain adequate security and maintenance, Georgia Institute of Technology does not assume any legal obligation to pay for injury to persons (including death), or loss of or damage to items of personal property which occurs in its buildings or on its grounds, prior to, during, or subsequent to the term of this Contract.
Student is strongly encouraged to purchase and maintain appropriate rental insurance or confirm that their family homeowner’s policy will cover such possible losses. If insurance coverage is desired, it is the Student’s responsibility to acquire such coverage.
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From Conference Services' contracts:
All property brought onto the premises by the Permit Holder shall be at the sole risk of the Permit Holder. The Owner (Georgia Tech) shall not be responsible for such property or liable for any damages or injury to Permit Holder, its agents or employees.