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A Few Tips for the College-Bound 


College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out of your coverage.

HOMEOWNERS (varies by state)

Personal Property:  Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school and living on campus (a $100,000 policy equals $10,000 in coverage). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended.

Liability Coverage:  General damage to a dorm room or apartment is not usually covered. 

Documentation:  Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.

AUTO (varies by state)

Car Stays Home:  Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.

Car at School:  Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered. 

Driving a Friend’s Car:  Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary.  The insurance for the friend’s vehicle would be the primary coverage.

Discounts:  A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.

Before your child leaves for school, call us at (847) 680-0888 or email us at, we can walk you through the steps to endure you and your family have the right coverage.

Contact Us!

Illinois and Wisconsin residents, at R Hobbs Insurance Agency, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (847) 680-0888 or send us a note at We want to help you meet your goals, and make sure what's important to you is protected!

Content Source: Safeco Insurance

Posted 9:00 AM

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