What makes a rental a "student rental"

[Melissa Steinour]

Hi - I am a newbie and I purchased my first rental property this June.  I am in a college town. When I got my landlord insurance for the property they asked if it would be a student rental and I said no... my vision was to put young couples/families in it.   My bottom unit is filled with a 57 year old single lady. The top unit I am having problems to fill I think due to 2nd floor and no laundry. However, I do have 2 college students who would like to rent it.  They do not seem like the party type of kids at all.  (more anti-social).   But I am wondering if I rent to them, with the one mother co-signing, would there be a problem with my insurance if there was a claim, due to them also being "students"?