Where did the summer go? Somehow it’s September again, which means you’re dealing with getting your kids back to school. If you have a child headed to college this year, there are so many things to think about. From course loads to housing to making sure they know how to do their own laundry, back to school season can be overwhelming for anyone. At HIG, our goal is to help you worry less, which is why we’ve laid out a few insurance tips specifically for your college kids.
Auto Insurance
Parents, did you know that your MA auto insurance policy will follow your child when they go away to school, even if they are out of state? This means they’ll be covered under your policy when riding in a friend’s car or even if they decide to drive someone else’s car. To learn more about the coverage your MA auto policy provides while your kid is away at school, get in touch with your insurance agent today.
And don’t forget to look into available insurance discounts when your student does head off to college. For example, you may qualify for a good student discount based on your child’s grades. You could also be eligible for a student away discount depending on how far away your kid’s school is. If your child will be taking a car that you own with them, make sure to call your insurance agent to inform them of this change to the garaging address.
Renters Insurance
Renters insurance is definitely something to consider for your college-bound kid. While your homeowners insurance policy will most likely cover their possessions if they are living in a campus residence like a dorm, there may be higher homeowners insurance deductibles, which can make a supplemental renters insurance policy worthwhile.
If your child decides to move off campus, they should know that they will no longer be covered under your homeowners insurance policy and should definitely invest in their own renters insurance policy, which on average costs less than a cup of coffee per week. Even if your child is living with friends, they should still consider getting their own renters insurance policy to cover their personal belongings. Check in with your insurance agent to see what makes the most sense for your child’s unique situation.
Umbrella Insurance
Umbrella insurance policies can also come in handy when you have a child in college. This additional protection will provide personal injury coverage in case they hurt someone while they are at school. It can also help cover legal expenses if you or your child is sued. Call your insurance agent to learn more about how an umbrella insurance policy can help your family.
Want to make sure your child is protected no matter where they are? HIG can help. Our insurance experts can talk you through your options to make sure your policy fits your unique needs. Give us a call at (508) 676-5949 or visit our website today to learn more.
