As your child heads off to college, insurance might not be at the top of your to-do list, but it should be. Whether they’re taking a car to campus, renting their first apartment, or staying on your health plan, it’s important to make sure your insurance coverage reflects their new lifestyle.
Auto Insurance
- If your student brings a car to school, let us know where it will be parked most of the time—that can affect both premiums and risk factors.
- If the car stays at home, they may still need to be listed as a driver (and may qualify for a discount if they’re 100+ miles from home).
- Good student discounts might apply—worth asking about if they’re maintaining a strong GPA.
Homeowners or Renters‘ Coverage
- Students in dorms are typically covered under their parents’ homeowners insurance, but coverage limits are usually lower, especially for electronics, bikes, or valuables.
- If they move into an off-campus apartment, they’ll likely need renters’ insurance to protect their belongings and liability.
A Note on Health Insurance
Students under age 26 can often remain on a parent’s health insurance plan, but it’s important to make sure they have access to in-network providers near campus. If not, consider supplemental options through the school or another plan that travels with them.
If your child is heading off to school, now’s the perfect time for a quick policy check.
Reach out to us at info@profinsprog.com or 800-637-4676, and we’ll help make sure your student is covered—from the dorm room to the driver’s seat.