College Student Coverage

Another summer has rapidly come and is almost gone, and with fall comes the start of another school year. We'd like to address a few school-related issues that frequently come up in conversations.

A common concern for parents with kids away at college is the coverage of the student’s personal property. Any personal property belonging to the student is covered under your homeowner policy, provided the child is under the age of 24 and is a full-time student.

College students going to a school more than 100 miles from home who do not have a car at school also are provided considerable discounts on an auto policy. Please let us know if this situation applies to you.

For students who do have a car at school, it is important to remind them not to allow their friends to drive their car. In the case of an accident while your son or daughters friend is behind the wheel, coverage may not be granted because the named insured did not give permission to the person driving the vehicle.

We'd be glad to respond further to this or any other area in which you have questions.  Please feel free to contact our office at your convenience.