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Insurance for Your College Kid
As your child heads off to college, you probably have covered the usual bases with extra-long sheets, a laptop and your old couch. But what about insurance?
First, let us know the address of your child's dorm or apartment, so that we can extend the property and liability coverage of your homeowners coverage. Usually, that's all you need. Property coverage is subject to your policy's deductible, but if your child has specific valuables, you can get a rider to your policy. More importantly, your homeowners insurance extends liability coverage to your student. This will help protect her--and potentially you--from losses that could be far greater than the cost of that old couch.