Going off to college is stressful for students as well as\nparents. Your child is focused on academics and adjusting to college life, but\ninsurance coverage is another important topic to discuss as a family.<\/p>\n\n\n\n
Renters insurance typically covers personal property,\nliability, medical expenses, and alternative accommodations if a policyholder\u2019s\nresidence is uninhabitable. Your existing homeowners or renters\ninsurance<\/a> coverage may extend to your child if he or she lives in a\ncollege dorm, but it will most likely only cover personal property. <\/p>\n\n\n\n Policies usually limit coverage for property located\noff-premises to a portion of the total available coverage. If your child has\nexpensive electronics, musical instruments, or other belongings, you may be\nable to add a separate schedule to your policy to cover those items. You might\nhave to notify your insurance company to have your child covered at college, or\nthe coverage might extend automatically.<\/p>\n\n\n\n Your child won\u2019t be covered by your policy if he or she\nlives off-campus. In that case, your child can purchase a separate renters\ninsurance policy that will cover personal property, liability, and alternative\naccommodations. With an individual renters insurance policy, your child\u2019s\npersonal property will only be covered if it is damaged or destroyed by a\ncovered peril. Liability coverage will apply if your child is found legally\nresponsible for injuries to another person or accidentally damages the\nlandlord\u2019s property.<\/p>\n\n\n\n If your child plans to take a vehicle to college, if your\nchild will be living at home and commuting to college, or if your child will\nlive at college but plans to come home frequently and use a family vehicle, you\nshould keep him or her on your auto insurance<\/a>\npolicy. You may qualify for a good student discount or a distant student\ndiscount that could save you hundreds of dollars per year. Keeping your child\non your policy can also establish a record of uninterrupted insurance coverage,\nwhich can help your child obtain an individual policy later. <\/p>\n\n\n\n If your child plans to live on campus, doesn\u2019t plan to take\na car, and won\u2019t return home and drive a car often, it may be better to remove\nyour child from the policy, if your insurance company will allow it. That could\nsignificantly reduce your rates. Just be sure to contact the company and put\nyour child\u2019s name back on the policy before he or she comes home on breaks and\nwants to use the car.<\/p>\n\n\n\n Insurance coverage for college students is important, but\nit can be complicated. If you have existing coverage and have questions,\ncontact your insurance company or agent. If you need a new policy, or if you\nwould like to shop around for better rates, contact Petruzelo Insurance<\/a>.\nWe can help you compare coverage and premiums from several leading companies.<\/p>\n","protected":false},"excerpt":{"rendered":" Going off to college is stressful for students as well as parents. Your child is focused on academics and adjusting to college life, but insurance coverage is another important topic to discuss as a family. Does Your Child Need Renters Insurance? Renters insurance typically covers personal property, liability, medical expenses, and alternative accommodations if a […]<\/p>\n","protected":false},"author":1,"featured_media":2686,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,13,77],"tags":[],"class_list":["post-2685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-insurance","category-safety-tips"],"_links":{"self":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/2685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/comments?post=2685"}],"version-history":[{"count":1,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/2685\/revisions"}],"predecessor-version":[{"id":2687,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/2685\/revisions\/2687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/media\/2686"}],"wp:attachment":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/media?parent=2685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/categories?post=2685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/tags?post=2685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Auto Insurance Coverage for College Students<\/h2>\n\n\n\n
Do You Have the Right Insurance Coverage?<\/h1>\n\n\n\n