We hear regularly about the challenges of Dunedin student flats, expecially for those students about to start the year and are flat hunting.

If you're renting, you need to have some level of contents cover. Ideally, it is enough to replace your possessions but, more importantly, cover damage you may be liable for.

If you are renting and your name is on the rental agreement, you are responsible for any damage caused by you, your flatmates, and your visitors. Being a student in student accommodation, this is probably doubly important as you can have all sorts arrive on your doorstep, and impromptu get-togethers can get out of hand, resulting in damage you'll have to pay for.

The easy one to identify is the spilt red wine on the light carpet, but other more significant things can happen. This NZ Herald article has a few pointers realities students face.

There has been a case where cooking left unattended has resulted in the house burning down. The students involved are probably still paying off the rebuild of the house.

If you need advice or want to chat about your options, get in touch