Essential Insurance Tips as Kids Head Back to School
As summer winds down and your children return to school or college, it’s crucial to review your family’s insurance needs. Here are some key considerations:
Auto Insurance
Driving Duties: With increased traffic as school resumes, review your auto insurance policy to ensure adequate coverage while you play chauffeur for your younger children.
Teen Drivers: If your teenager is starting the driver’s license process, contact your insurance agent to explore discounts for good students and driver training courses. An agent can also help you decide whether to add your teenager to your policy or secure a separate one.
College Students: Insurance discounts are also available for college students, often based on academic performance and vehicle usage. If your college student leaves their car at home, you might qualify for the “away at school greater than 100 miles with no car” discount. For those driving for Uber, Lyft, or food delivery, check with your agent, as most personal auto policies don’t cover these activities.
Homeowners Insurance
At-Home Learning: With more learning happening at home, you may have invested in expensive technology. Consider scheduling these items on your policy to ensure they’re adequately covered.
College Dorm Coverage: Your homeowner’s policy may extend to your child’s dorm room, covering expensive technology and hobbies. If they’re living off-campus, discuss renter’s insurance with your agent. This is a great opportunity to teach your child about the importance of being properly insured.
Ensure your family’s safety and financial security by reviewing and updating your insurance policies as needed. Contact our agents for personalized assistance.
