Statistically, a student is more likely to be a victim of theft whilst living in university than when living at home. Protecting your possessions whilst in student accommodation will put your mind at ease should 
the worst happen.
Student contents insurance is vital when at university, as it has been shown that almost one in three students is the victim of a crime every year. This is due to the location of a lot of university owned accommodation; in parts of towns and cities which have higher crime rates.
Each student living in a shared house is responsible for providing his or her own student contents insurance; the policy a student takes out does not cover the entire household should a theft occur; it only cover the possessions of the person whose name is on the policy.
After making the decision to purchase student contents insurance, it is then time to start browsing through the numerous companies which offer this type of insurance. Initially this can seem like an overwhelming task; there are countless policy’s to choose from.
However the important thing is to shop around, read the fine print on the policy and ensure that the coverage meets your needs, both in terms of your financial situation and the protection of possessions in varying circumstances.
Make sure that the policy covers not only the more expensive items, such as televisions or laptops, but also smaller items as well. This is important as the numerous less expensive items one might own can actually add up to a significant amount of money.
Coverage should include not only theft but also accidental damage. This can be a particularly useful when living with several different students as items in a large household are more likely to get damaged or broken.
Take note of what the policy covers during the holiday period when the accommodation is empty. If the house is not occupied for over a month it is possible that the policy will not cover any theft or damage occurring during this time.
There are numerous ways to save money when it comes to student contents insurance. These include improving the security of your accommodation with fire and burglar alarms; these can be fitted by the landlord.
In addition to installing alarms, the simple act of ensuring the windows and doors are locked each time you leave the house can greatly reduce the chance of burglary. Making a claim on a policy will increase the cost of the premium significantly.
So being careful with your possessions and the security of your house can help in building up to a no claims discount which will save you quite a bit of money in the long run, should you choose to live in university accommodation for a number of years.