Student’s Insurance

Many parents have children enrolled in college. Many of these students live away from home, in some kind of housing or dorm while they attend school. You may not think twice about how your insurance plan relates to them, but this is an important aspect to consider. If your child lives away from home, will their belongings still be covered by your contents insurance policy?

Students often have expensive items in their residence, such as a laptop. Living in shared housing can also increase the risk of theft, which could leave your student with costly expenses such as replacing their laptop. So, how does your insurance plan pertain to them? Many policies include the possessions of a student, even if they are not living at home. It is important you check with your provider to be sure of the clauses. Some do not include students at all, while others offer the service with a few clauses. For example, you may not be covered if there was no sign of forced entry when your possessions were stollen. You may also be required to have your room locked with a specific type of lock in order to be eligible for coverage. These are details you should look into if you’d like your student included in your policy.