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Renters Insurance


Western Kentucky University Housing & Residence Life urges each student to purchase some form of insurance, whether it be renters insurance or a rider on their parent's homeowner's insurance. The University is not liable for theft, damage or loss of personal belongings that may occur while living in the residence hall.


Rentures Insurance From GradGuard Video Preview


As noted in your housing contract, Western Kentucky University assumes no financial responsibility over the personal property of residents nor will the institution be financially responsible for large-scale, unintentional damage caused to university property by on-campus residents, such as a fire or sprinkler-head flood.

GradGuard Renters Insurance is a smart investment for college students and their families. With the GradGuard Renters Insurance plan, personal items that are stolen or damaged by a covered cause of loss can be replaced, subject to a low deductible. GradGuard Renters Insurance also protects students financially from large-scale, unintentional damage they may cause to their residence hall or bodily injury they may cause to others for which they are legally liable.

Features of GradGuard Renters Insurance for Western Kentucky University students include:

  • Low $100.00 Deductible: Compared to $500, $1000, or more for a typical homeowners insurance policy.

  • Replacement Cost: If your personal property is stolen or damaged due to a covered peril, it can be replaced with an item of like kind and quality.

  • Worldwide coverage: Your personal belongings are protected even when you’re away from campus, traveling, or studying abroad.

  • Electronics coverage: Your electronics, including your TV, laptop, smartphone, and tablet are covered up to the policy limits.

  • Personal Liability Coverage: If you cause damage to university property or injure others, you may be liable for the damages. Renters insurance from GradGuard provides up to $300,000 in personal liability coverage. For example, if you unintentionally set off your building’s sprinkler system, liability protection can help pay for the resulting damages.

  • An Alternative to Homeowners Insurance: Not all homeowners insurance policies are the same. Limitations may apply when the property is away from the principal residences. Unlike homeowners insurance, your premium will not increase if you make a claim on the policy.

GradGuard’s Renters Insurance is underwritten by Markel® American Insurance Company. Claims and coverages are subject to language, limits and exclusions, and policy. Visit GradGuard.com/renters to get more information about their coverage and a quote.


Learn More About GradGuard


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If you have GradGuard coverage, you can initiate your renters insurance claim through your GradGuard account at account.gradguard.com. You can also call 1-800-719-5915 to start the process. 

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 Last Modified 4/15/24