Fall is rapidly approaching and that means parents are getting their college kids ready for the new semester ahead. You may have already purchased supplies, textbooks, electronics, and fun furniture to deck out their dorm room, but are you forgetting how to protect them best? Insurance coverage looks out for your studying student and finances. Before you send your kid off to college, check out the top insurance coverages they should have. Please open our links in a new tab to continue enjoying our content.
When your college student stays on campus and in the dorms, generally, your homeowners insurance policy will protect the possessions that they take with them. Be sure to ring your insurer to confirm the details, and create an inventory of the items that they take to college. If your student lives off campus, he or she will need renters insurance. This will protect their belongings and offer liability coverage, should any accidents occur.
Is your child taking the car to college? If so, you’ll need to alert the insurer to this fact. The premium is largely determined by the location of the vehicle, so moving it to college, even temporarily, may impact the coverage and rate. If your child is leaving the vehicle at home, let your insurer know. If he or she is attending college more than 100 miles away from home, you may be entitled to a discount.
Umbrella coverage may be one of the last policies you would expect to have to consider for your student, but college opens up new risks. From liability on social media to fraternity pranks, umbrella insurance can help protect your college kid from perils that they may face.
To learn more about insurance for your college student, contact Abatelli Group, Inc. for a quote. We can help you secure reliable Whitestone, NY car insurance coverage!