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School’s Back in Session: Is Your College Student Covered?

08/08/2016 | Debbie May and Debbie Skelley

The start of the school year is upon us once again this Fall. If you are sending your son or daughter off to college, personal insurance coverage may be the last thing on your mind. Don’t worry because you might already have coverage in place.

How are your child’s personal belongings covered when they are away at school? Most homeowner’s policies provide coverage for your child’s personal property while it is at school. Coverage is usually limited to 10% of the contents limit on the primary homeowner’s policy. Depending on your insurance carrier, coverage may be limited to student on-campus housing. If your child is living in an off-campus rental, they may need a renter’s policy.

Is your child taking an automobile to school? You might be wondering if there is anything that needs to be done with your personal auto policy, too. The good news is that there is nothing you need to do because the coverage is already in place. Your personal auto coverage follows the vehicle. Conversely, you may be eligible for discounts if your child is going to school more than 100 miles from home and will not have regular access to the vehicle. Finally, good student discounts also apply to children in college when their grade point average is 3.0 or greater.

Please call or email the authors of this post, or a Fedeli Group associate, to discuss the coverage and limits available when your child is off to college.