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Insurance Answers for Your Child Going Away to School
If your child is going to college or boarding school next month, give us a call now to discuss your student's insurance coverage options.
First, if your student's school is more than 100 miles away and the student does not take a car, you probably can get a credit on your car insurance premium. If your student does take a car, let us know so that we can update your records.
You probably don't need to buy dorm insurance to cover your student's personal property; most homeowner's policies cover a student in a dorm. But you might want to consider extending first-dollar coverage, especially for items such as tablets and laptops. You also might want to get a liability extension on your homeowner's and personal umbrella policy.
If your student lives in a rental property, it is possible that your coverage can be extended to the unit, although we need to let your insurer know the property address. It also is possible you might need a separate policy for a rental unit. And if you decide to buy a condo or house for your student to live in, you need separate property and liability coverage for that location.
Finally, once your student graduates and is self-supporting, he or she is no longer covered under your homeowner's policy. If your student is not self-supporting -- for example, is going on to medical or law school and you are paying for it -- different carriers have different rules for extending coverage to adult children.
We are happy to work with you to make sure there are no insurance surprises when your student goes to college or boarding school. Just contact us at 847-572-0828 or email@example.com.