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Back to School - Tips for college student coverage

Sep 06 2016


If you're a college student living in a dorm or apartment, or have a child who's away at school, you may need to update your insurance policy or make coverage changes. Here are some issues to consider and discuss with our Associates if you have questions. 

Update garaging location. 
Insurance companies require that they must be notified when the address where the car is being kept is different from the policy address. Also, if attending school in a different state, check that your policy meets the minimum requirements of that state.   

Student discounts. 
If you have a grade average of "B" or 3.0 or better, you may qualify for good student grade discount. Another discount may be available if you live at school more than 100 miles away from home and don't have regular access to a vehicle.

College Student InsuranceOther vehicle issues.
Even if you don't have a car, you might borrow a friends car or drive your parents' car occasionally. If you're still considered a legal resident of your parents' home, you should be listed on their policy, which should cover these situations. If you're no longer a household member and you don't already have your own car insurance, you should get a Nonowned Auto policy.

Student's possessions and liability. 
A parent's homeowner, condo or renter insurance policy generally covers a student's possessions in a dorm (up to 10% of the personal property limit on the policy). These policies also cover the student for a variety of potential personal liability situations.

Home policies may provide coverage in an off-campus apartment; however, factors such as length of residence, age and full-time status can affect coverage. If a parent's home insurance doesn't provide coverage, the student should get a renter's policy.

Comments
Total: 2 Comment(s)
Georgia B
  I'm glad I came across this article--I'm going to be attending a college out-of-state soon, and I hadn't stopped to consider what might need to be done about our auto insurance coverage. Thankfully, it looks like my home state has similar insurance requirements, but I'll be sure to let my company know the new location of the car!
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Murphy Insurance
Murphy Insurance  Glad you found the info helpful...if we can help let us know.
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