Protecting Property for Children Away at School
One of the biggest milestones for a family is sending a child off to school. If your child is a college student, they’ll likely take along valuable items like clothing, a laptop, furniture, and electronics. A common question we hear is, “Does my insurance cover property for children away at school?” The good news? Many insurance policies extend coverage to personal property located away from the primary residence. This can include protection against:
- Vandalism and Theft
- Accidental Damage
- Natural Disasters
- Flood and Fire
- Cracked Screens
- Liquid Spills and Submersion
- Lightning-Induced Power Surges
Â
However, high-value items like jewelry, collectibles, and electronics may have specific coverage limits. It’s essential to review these limits with your insurance agent to determine if additional coverage is needed. Depending on the school or housing arrangements, students—whether living on campus or offsite—might be required to have their own tenant insurance. This type of coverage can include:
- Clothes
- Bicycles
- Books
- Laptops/Computers
- Tablets
- Photography Equipment
- Mobile Phones
Â
Parents, if your child is heading to college or university, take the time to verify what your home insurance covers. Additionally, check if their living arrangements require separate tenant insurance as part of the agreement. Ensuring proper coverage will protect your child’s belongings and give you peace of mind while they’re away at school.
