It's the end of week one of the fall semester for many colleges across the state. For students that don't commute or live in dorms it means renting out a place to live for a while.
Officials say many students don't usually consider getting renters insurance, but they are encouraging students to think about adding the coverage.
The average cost for renters insurance is about ten dollars a month. Insurance covers accidents like pipe breaks, smoke damage and theft of personal property.
A State Farm agent in Kearney explains why people don't get it.
"I think there is a misconception out there in people's eyes that landlords insurance will protect their personal property. To be quite honest with you it's one of those items that people just don't think about until someone brings it to their attention," said Cory Kruse.