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Renters Insurance for College Students

Aug 13, 2025 | Insurance, Renters Insurance

Whether your college student is moving into a dorm or renting their first off-campus apartment, renters insurance for college students is one of the most overlooked essentials. Many students and parents assume that personal belongings are covered under a parent’s...

Hibbs Insurance Agency, Inc.
3124 Lone Oak Rd
Paducah, KY 42003-5744

Phone: 270.554.2105
Fax Number: 270.554.4533

Hibbs Insurance offers a wide range of insurance products and services to businesses and individuals. Founded in 1960, we have built a reputation for providing expert advice, personalized attention, and customized insurance solutions to meet the unique needs of our clients. Our team of experienced and licensed insurance professionals is committed to providing exceptional customer service and helping clients navigate the complex world of insurance.

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File a Homeowner's Claim

PLEASE FEEL FREE TO CONTACT US DIRECTLY AT 270-554-2105 DURING BUSINESS HOURS TO FILE YOUR CLAIM. WE ARE HERE TO HELP AND ASSIST YOU THROUGHOUT THIS DIFFICULT PROCESS. ANY QUESTIONS OR CONCERNS YOU HAVE MAY BE DIRECTED TO OUR OFFICE CLAIMS DEPARTMENT. Required fields are marked with: *

Personal Information
Name on policy*
First Last
Policy number
Best Form of Contact*
- E-mail
- Phone
- Fax
E-mail*
Phone*
Fax
Date of Loss*
Description of Damage to Property:*
Claim Status Acknowledgment *
- I understand that the submission of my claim is not complete until the information has been confirmed by one of our representatives by phone or email.
Homeowner Claims - What To Do Right Now
1. Make whatever temporary repairs are needed to avoid further damage.

2. Notify your agent of the situation. Keep in mind that your deductible would apply. Sometimes it is preferable to get an estimate for the damages prior to submitting a claim if the damage might be lower than the amount of your deductible.

3. If the problem occurs after normal business hours and needs immediate attention, contact the your company directly via the information listed on your policy package.
What To Expect After a Home Insurance Claim is Reported
1. Once the claim is reported to the company, a claim number and adjuster will be assigned.

2. The adjuster will try to make an initial contact with you within 24 to 48 hours to discuss what the damages are and what the next steps will be.

3. If the damages need to be inspected, the claim will be assigned to an outside adjustor who will call and schedule an appointment with you. If there has been a major storm and if the damage is exterior only, it is possible that a drive-by inspection will be done.

4. In the event of a major storm, insurance companies do have "catastrophe" procedures in place. Adjustors from other areas of the country are brought in and extra telephone lines may be added. Depending on the severity, your claim might take more time than a normal situation, and your patience is appreciated.

5. Claim checks are mailed to you for the damages less your deductible. Please note that if the damage is substantial, the check might be payable to you and your mortgage company.
We do recommend that you keep an inventory of your personal property. This information can be valuable in the event of a loss. If you would like a copy of an inventory guide, please contact us with your request.
ANTI-SPAM QUESTION - How many eggs are typically in a carton?*

File an Auto Claim

Personal Information
Name on policy*
First Last
Policy number
Best form of contact*
- E-mail
- Phone
- Fax
E-mail*
Phone*
Fax
Date of Loss*
Driver information
Driver's name*
First Last
Vehicle Year*
Vehicle Make*
Vehicle Model*
Current location of Vehicle Involved*
Description of Incident*
Injuries*
- Yes
- No
Police Report Filed*
- Yes
- No
Other Parties Information:
Driver information
Driver's name
First Last
Vehicle Year
Vehicle Make
Vehicle Model
Injuries
- Yes
- No
Claim Status Acknowledgment *
- I understand that the submission of my claim is not complete until the information has been confirmed by one of our representatives by phone or email.
What To Expect After an Auto Claim is Reported
1. Once the claim has been reported to the company, an adjuster is assigned to your claim.
2. At the time the claim is reported, often the company will go ahead and set up the initial inspection of your vehicle.
•If your car is still driveable, an appointment at a preferred body shop is typically set up.
•If the car is not driveable, the company will assist you in having your vehicle towed.

3. If your vehicle is not driveable and you have rental reimbursement coverage on your policy, the company will get you set up in a rental vehicle.

4. The company adjuster will be in contact with you to obtain a statement from you. The adjuster will contact all parties involved and based on these statements and any other relevant information, will make a liability decision.

5. Once the cost for your vehicle repair has been estimated by a representative from your insurance company, you may take your vehicle to either one of the company’s preferred vendors or to the body shop of your choice. Please be sure to provide the body shop with a copy of your estimate. If the body shop finds additional damage, they will contact the company directly.

6. If your vehicle is declared a total loss, a claims representative from the insurance company will contact you to discuss the options, mileage and condition of your car. Typically, the company will give you a call within a few days to discuss the settlement.
ANTI-SPAM QUESTION: How many eggs are typically in a carton?*

Commercial Policy Change Request Form

Required fields are marked with: *

Personal information
Business Name*
Policy Type*
Policy number
Confirm by
- E-mail
- Phone
- Fax
E-mail*
Phone
Fax
Changes Requested*
Binding Agreement*
- I understand that coverage cannot be bound or altered until the information has been confirmed by one of our representatives by phone or email.
We respect your privacy. Your information will be sent securely and handled with care.
ANTISPAM QUESTION: How many eggs are typically in a carton?

Auto & Home Policy Change Request Form

Required fields are marked with: *

Personal information
Name on policy*
First Last
Policy Type*
Policy number
Do you need to order auto insurance cards?
- Yes
- No
For which vehicle?
Confirm by
- E-mail
- Phone
- Fax
E-mail*
Phone
Fax
Changes Requested*
Binding Agreement*
- I understand that coverage cannot be bound or altered until the information has been confirmed by one of our representatives by phone or email.
We respect your privacy. Your information will be sent securely and handled with care.
ANTISPAM QUESTION: How many eggs are typically in a carton?

Resources

Renters Insurance

Renters Insurance for College Students

Personal Information

Homeowner Claims - What To Do Right Now

What To Expect After a Home Insurance Claim is Reported

Personal Information

Driver information

Other Parties Information:

What To Expect After an Auto Claim is Reported

Personal information

Personal information