We understand that sending your child off to college can be an overwhelming experience, which is why we will guide you through the process to ensure that you have covered all the bases. Many parents are too busy planning where their child will live at their new school and when they will visit home, to bother worrying about the insurance implications. We have gathered the vital information for you so that you can properly insure your new college student:
Apartment Living
When your child chooses to live in an apartment as opposed to a campus-owned facility, they take on additional liabilities and risks. In order to receive the necessary protection, you must purchase a renters’ insurance policy. This inexpensive policy will provide their personal belongings with the necessary coverage, while also providing them with liability coverage in the event that someone is injured in their apartment.
Dorm Life
When your child chooses to live in any campus-owned facility or dorm, their personal belongings receive coverage under your homeowners’ insurance policy. If your child will be bringing any relatively expensive items with them to college, you may want to check with your insurance carrier to make sure that those items are covered.
Commuter
When your child chooses to bring their car with them to their new school and city, they must inform their auto insurance carrier. Failure to inform your insurance provider may result in drop of coverage or policy. If your child moves to an out of state college, they may be required to alter their insurance coverage to comply with the state’s laws.
Public Transportation Route
When your child chooses to leave their car at home while they enjoy their semester away at college, you have the opportunity to receive discounts. Since your young driver will not be driving for an extended period of time, you may be eligible to receive the resident student discount.
Contact Scautub Agency and receive the peace of mind knowing your new college student is adequately protected while they are living away from home. Allow us to guide you in all of your Scotia, New York insurance endeavors.