I remember my first day of college. It was exciting and different and completely new. I started at a community college just down the street from my house because I wasn’t sure what I wanted to go to college for. Because of that, I didn’t have to think about insurance for myself until I moved away to attend East Tennessee State University in 2009. Thankfully, my mom is in insurance so she was able to talk to me about renter’s insurance and all the little details regarding insurance. Here’s my advice, because not everyone has a family member in insurance, talk to your insurance agent. When you do not know something ask.
When you or your child moves away to college, insurance companies like State Auto will provide coverage of a full-time student living away at school in a dorm. Their possessions like laptops, IPods, clothing, and books can be covered. Now, if the student moves into an apartment, he or she will need to get renters insurance to cover their belongings. Not all insurance companies will insure your stuff while in a dorm.
If the student is moving out of state, what about his or her car insurance? It is important to remember to check with your agent about coverages in different city and states. Different states have different minimum requirements and it is the responsibility of the driver to know what those are and to make sure he or she is adequately covered.
What helped me a lot in college was being able to be on my parents health insurance until I turned twenty-six. All the jobs I had while attending college were part-time jobs that even if I paid for health insurance, I couldn’t afford. Of course, always check with your agent or human resource department to make sure this is the case.
If you have any further questions, feel free to contact us. We will be more than happy to answer any questions and help make the transition into college life smoother.