Sending a child off to college is an exciting milestone for families. Between packing, move-in day, and adjusting to a new routine, insurance coverage may not be top of mind. However, whether a student is bringing a vehicle to campus or leaving it at home, it’s important to understand how these changes can impact existing insurance policies.
Auto Insurance Considerations
If your student plans to take a vehicle to school, notify your insurance agent before they leave. The location where a vehicle is primarily kept can affect premiums and coverage requirements. Colleges located in larger cities or areas with higher traffic volume may present different risks than your home address.
Students who regularly drive while away at school should remain listed on the family auto insurance policy unless advised otherwise by their insurance provider. In many cases, maintaining coverage through a family policy can be more cost-effective than purchasing a separate policy.
If your student leaves their vehicle at home and attends school more than 100 miles away without regular access to a vehicle, they may qualify for a “student away at school” discount. This discount can help reduce premiums while maintaining necessary coverage.
Personal Property Protection
Many families are surprised to learn that a homeowners insurance policy may provide coverage for a student’s personal belongings while living in a dormitory. Items such as laptops, clothing, furniture, and other personal possessions may be covered under the parents’ homeowners policy, subject to policy limits and deductibles.
However, coverage may vary depending on the type of housing. Students living off-campus in apartments or rental homes may benefit from purchasing renters insurance to help protect their belongings and provide liability coverage.
Liability and Peace of Mind
College life brings new experiences and responsibilities. Insurance can help provide peace of mind when unexpected situations arise. Reviewing coverage before the school year begins can help ensure your student has appropriate protection both on and off campus.
Review Your Coverage Before Move-In Day
Every family’s situation is different, and insurance needs can change when a student heads off to college. Taking a few minutes to review your auto, homeowners, and liability coverage can help prevent surprises later.
At Petruzelo Insurance, we’re here to help Connecticut families navigate life’s transitions with confidence. If your student is heading off to school this year, contact our team for a personalized policy review and guidance on your coverage options.