Keeping Your Kids Covered in College

Parents, your baby is all grown up and in college.
You have plenty of big things to worry about – room and board, buying textbooks, and the frequency of late-night pizza binges, so you probably haven’t had time to think about the effect it may have on your insurance:

WJBF News Channel 6’s Deon Guillory talks with Insurance Agent Chris Douse about how help avoid the back to school blues.

In most cases, the parents’ homeowners policy will provide basic coverage for their child, but there may be times when a renters policy is needed.


A personal articles policy can provide additional coverage for electronics, musical instruments, sports equipment, and more. This might be worth considering.


College students are typically covered under their parents’ car insurance, as long as they live at the same address as their parents when not at school. Rates may change if the student is driving the car at school rather than leaving it back at home.


Some key points to consider:


  • Review your policies with an agent to understand specific coverage.


  • An agent can provide tips for keeping items safe and make sure you have adequate coverage.


  • A Personal Articles Policy provides broader coverage to items such as laptops, bikes, cameras, etc… A no deductible option is typically available and a loss on this policy typically will not cause your homeowners rate to increase.


  • Auto coverage may extend from the parents policy if the school is a temporary address.


  • If the student does not take the car to school, they may qualify for an away student discount and that can be significant.


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