Back to School – College Student Insurance Coverage Tips

If you’re a college student living in a dorm or apartment, or you have a child who’s away at school, you may need to update your insurance policy or make coverage changes. Here are some issues to consider and discuss with our professionals, if you have questions about how you should be covered.

Update Garaging Location

Insurance companies require that they must be notified when the address where your car is being kept is different from the policy address. Also, if you are attending school in a different state, check that your policy meets the minimum requirements of that state.

Student Discounts

If you have a grade average of “B” or 3.0 or better, you may qualify for good student grade discount. Another discount may be available if you live at school more than 100 miles away from home and don’t have regular access to a vehicle.

Other Vehicle Issue

Even if you don’t have a car, you might borrow a friend’s car or drive your parents’ car occasionally. If you’re still considered a legal resident of your parents’ home, you should be listed on their policy, which should cover these situations. If you’re no longer a household member and you don’t already have your own car insurance, you should get a Non-owned Auto policy.

Student’s Possessions and Liability

A parent’s homeowners, condo or renters insurance policy generally covers a student’s possessions in a dorm (up to 10% of the personal property limit on the policy). These policies also cover the student for a variety of potential personal liability situations.

Home policies may provide coverage in an off-campus apartment; however, factors such as length of residence, age and full-time status can affect coverage. If a parent’s home insurance doesn’t provide coverage, the student should get a renters insurance policy.

If the above topics have raised insurance coverage concerns for your own coverage or for the coverage of a college student in your family, please Contact Us.  Our professionals are happy to assist you.

Read Other Blog Posts

Apartment living room

Keep Your Home Safe While on Vacation

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.
Male teen driver

5 Tips for Adding a Teen to Your Auto Policy

If your teen is approaching driving age, it may be time to start thinking about your plan for adding them to your auto insurance policy. Here are five tips to consider when adding a teen to your auto insurance policy.
Night driving

Understanding the Risks of Speeding

According to NHTSA data, speeding kills more than 12,000 people behind the wheel each year, contributing to nearly one-third (29%) of all traffic fatalities. With this in mind, it’s important to understand what causes speeding and how to prevent it.
Mold

Keeping Mold Out of Your Home

Mold not only damages your property, but it can also cause serious health complications after long-term exposure. With this in mind, try these prevention tips to keep mold out of your home.
Burglary

Tips for Preventing Home Burglaries

As a homeowner, you must protect your property from various risks, such as burglaries. To limit your chances of becoming the victim of a home burglary, consider the following steps for daily life.
Ensuring Peace of Mind: The Importance of Wedding Insurance

Ensuring Peace of Mind: The Importance of Wedding Insurance

Protect your big day with wedding insurance coverage. Whether safeguarding your attire, ensuring vendor reliability, or providing peace of mind against unexpected mishaps, we've got you covered so you can focus on making memories that last a lifetime.
Spring Cleaning for your Insurance

Spring Cleaning for your Insurance

As you tackle spring cleaning tasks, consider reviewing your insurance policies for any necessary updates. Ensuring your coverage is current and aligned with your needs offers peace of mind as you welcome the warmer seasons ahead.
Mistakes to Avoid when Applying for Auto Insurance

Mistakes to Avoid when Applying for Auto Insurance

Overlooking errors on your auto insurance application can result in significant consequences. Providing inaccurate information may lead to higher premiums, policy cancellations, or inadequate coverage during accidents.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.