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Tips for the College Bound

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Sep 13, 2011

A Few Tips for the College Bound  

College is expensive enough without the added cost of unexpected accidents or theft not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out of your coverage.

HOMEOWNERS  INSURANCE   

  • Personal Property:  Most homeowners policies will cover personal property for up to 10% of your contents limit while your child is residing at school (a $100,000 contents limit equals $10,000 in coverage).  Not all types of damage are covered, so read your policy carefully.  Some items, such as jewelry or expensive electronics, require special coverage.  Renters insurance is strongly recommended.
  • Liability Coverage:  General damage to a dorm room or apartment is not usually covered. 
  • Documentation:  Creating an inventory of the items your child is taking to school is a good idea.  Use photographs and keep receipts.

 AUTO INSURANCE

  • Car Stays Home:  Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.
  • Car at School:  Make sure to notify us if your child will be taking a car away to school.  In most cases, if the car is registered to you and listed on your policy, it will be covered. 
  • Driving a Friend’s Car:  Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle.  The coverage would be secondary.  The insurance for the friend’s vehicle would be the primary coverage.
  • Discounts:  A full-time student meeting certain academic requirements can qualify for a good student discount.  Distant student discounts may also be available.  Drivers under 21 who have completed driver’s education may also get a discount.

Before your child leaves for school, please give us a call. We can walk you through the steps to ensure you have the right coverage. We’re here to help!


© 2017, PLC Insurance. The reader assumes all responsibilities for his/her own actions in regards to any items discussed in this report. Adherence to all applicable laws and regulations, federal, state and local, governing the use of any product or service described in this report in the US or any other jurisdiction is the sole responsibility of the reader. The publisher and author assume no responsibility or liability whatsoever on the behalf of the reader of these materials. The reader is encouraged to consult directly with his/her insurance professional.


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