Sending your child off to college is an exciting milestone—new friends, new experiences, and plenty of late-night study sessions. While you’re helping them pack the essentials, don’t forget one important item: making sure their insurance coverage travels with them.
Dorm vs. Off-Campus Coverage
Many college students living in a dorm may have some personal property coverage through their parents’ homeowners policy. However, coverage limits and eligibility can vary. If your student moves into an apartment or rental home off campus, renters insurance may be a smart solution to protect their belongings and provide personal liability coverage.
Review Personal Property Limits
From laptops and tablets to furniture, clothing, and electronics, college students often have more valuable items than expected. Check your homeowners policy for personal property limits and any exclusions to make sure their belongings are adequately protected.
Update Auto Insurance When Locations Change
If your student takes a vehicle to college, the garaging address may need to be updated with your auto insurance company. A change in location can impact rates, eligibility, and coverage requirements—especially if they attend school out of state.
Don’t Overlook Liability Exposure
Accidents happen, and college life comes with new risks. Personal liability coverage can help protect your family if your student is responsible for accidental damage or injuries to others. A personal umbrella policy may also provide additional protection for larger liability risks.
Before move-in day arrives, give your insurance agent a call. Contact the team at Dowd Insurance for a quick coverage review that can help your college student focus on what matters most—making the most of their next adventure.
