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Essential Insurance Coverages for Your College Student

Here are some of the insurance policies that your college student should carry.

Is your child heading off to college this fall? If so, then it’s important that they are ready for any unexpected situations that may come their way. The best way to ensure that they have the protection that they need is by securing the proper insurance protections to fit their needs. Not sure which types of policies you should look into? Here are some of the essential coverages all college students should consider.

Health Insurance

Currently, most colleges and universities require students to carry some form of healthcare insurance. Students have the option of enrolling in the school’s health insurance program or providing proof of individual coverage. Student health plans are a generally affordable way to ensure that your child has access to basic healthcare services. However, if you would like to keep your student on your current health insurance plan, make sure you check with your insurance provider and your child’s school to ensure that your plan will offer them adequate coverages.

Renters Insurance

Whether your child is staying in school-sanctioned housing or an off-campus apartment, it’s important that they have insurance coverage to protect their personal belongings. Not only will renters insurance offer compensation in the event that your student’s possessions are stolen or damaged, but it will also offer your child personal liability protections. This means that they will be covered in the event that another party is injured in their dorm or rental space.

Car Insurance

If you child is planning on taking a car with them to campus, then it’s vital that they have the right auto insurance protections in place. If your child is attending an in-state school, there is a good chance that they will have coverage on your auto insurance plan. However, if they are going to school out of state or if they meet a specific set of criteria, they might not have adequate coverage on your family’s plan. Make sure you speak to your auto insurance provider today to ensure that your student has all the protection they need.

These are some of the essential insurance policies that all college students should carry.  Want more information regarding insurance for your college kid?  Then turn to the experts at Scautub Agency in Scotia, New York.  Our dedicated team is ready to assist you with all your coverage needs.  Contact us to get started today.

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