Shipping a child off to school can be an extremely exciting and stressful time. There are so many things to think about, and a lot of coordination and organization that goes into it. You, as a parent, want to do everything you can to set your child up for a successful and safe experience. With all the chaos surrounding this, most don’t think about insurance. We get it, us as your agent, probably aren’t top of mind at all times. That’s ok! That is why we write these posts – to give you subtle reminders that ensure you and your family are always properly covered.

3 Questions to Ask your Insurance Agent When Your Child Goes to College

Will my auto insurance change?

If your child is going away to school and will NOT be bringing a car with them, you may be eligible for a discount. Most auto companies give a lower rating because your child will no longer be using the car on a regular basis.

If you do decide to have your child bring their vehicle with them to school, you may need to change the garaging address of that vehicle. Typically, this is a case-by-case basis. Call your insurance agent to verify. Some carriers even offer a discount if the school they go to is with a certain mileage radius of the parent’s primary residence.

Your child can also help with good grades. Carriers typically offer good student discounts with a 3.0 GPA or better.

How can my child protect their personal belongings?

If your child is still a dependent and you have a homeowners policy with personal property coverage then your policy may cover up to 10% of the personal property limit stated on your homeowners policy. If your child will be living in a dorm and not have much in the way of belongings with them, this might be enough coverage.

If your child will be living off-campus and will have to furnish their apartment a separate renters policy it is recommended to cover all their personal property and liability. A renters policy can typically be purchased for less than $200 a year and some apartment complexes even require a renters policy to move in.

Does my child need Health Insurance while going to college?

If your child has health insurance on your plan it is not necessary to have other coverage. If children are covered on the parents’ plan you might want to check with the carrier to make sure at what age will they be covered to. Most major medical carriers offer coverage up age 26. Please check with your individual carrier to make sure.


Jacksonville Insurance Experts

Since 2005, Pablo Beach Insurance has been helping Florida residents by getting them the right coverage at the right price. We are locally owned, have a casual approach, and deliver professional results. Click below to get a no-hassle, free quote from one of our experts.

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