Here are some of the essential insurance coverages that your student cannot afford to overlook.
Is your child heading off to college this fall? If so, it’s important to make sure that they are protected and ready for anything that may come their way. Luckily, protecting your college student with the right insurance coverage is relatively simple. Here are some of the types of insurance that they should have in place.
Nowadays, most colleges require students to carry some minimum level of health insurance. Usually, students have the option to enroll in a school health plan or show proof of coverage on their parents’ existing plan. If you would like to keep your child on your current plan, speak to your insurer and your child’s school to ensure that they have the adequate health coverage that they need.
Whether your child is staying in school-sanctioned housing or an off-campus apartment, they should have the protection offered by renters insurance. This type of policy will offer coverage for their personal possessions, providing compensation in the event that their belongings are damaged or stolen. Additionally, renters insurance will offer personal liability coverage that will protect your student in the event that he or she is injured while in their dorm or rental space.
If you child is planning on taking a car with them to campus, they will of course need the protection that only auto insurance can offer. If your child is attending an in-state school, they will likely remain covered under your existing car insurance plan. However, if they are going to school out-of-state or if they meet a certain set of conditions, your child may not have adequate coverage on your current policy. Speak to your insurance provider today to figure out how to adequately cover your student.
These are some of the coverages that your college student should have in place. Looking for assistance with your child’s personal insurance protections? Then contact the team at Westwood Insurance Agency. We are ready to get you the coverage that you need today.