Insuring Your College Student

  As you become an €œempty nester€ and watch your child drive off to college, there are a variety of things on your mind. While at this moment you may be focusing on the sentimental emotions you are experiencing, it is important that you take a moment to make sure your college student will be properly insured. There are a variety of factors necessary for consideration, including:

• If your child will be bringing their car to college, you must consider the auto insurance implications, especially if they are listed under your existing auto insurance policy. Depending on where they move to, you may need to adjust your insurance policy to meet the minimum coverage requirements of their new location. If your child will not be bringing their car to college, you may want to keep them on your auto insurance policy so that they can drive during school breaks. Ask your insurance provider if you can get a discount while they are living away at school.
• If your child will be living in a dorm, your existing homeowners or renters insurance policy will likely cover their belongings, but at a limited amount. If your child will be bringing expensive valuables to their dorm, you may want to adjust the policy limits to cover those important items. However, if your child will be living off-campus, you will need to purchase a separate renters insurance policy, at an inexpensive cost.
• As a parent, you may want to consider these insurance implications before the big move so that you don't come across any unpleasant surprises after they move out.

Little & Sons Insurance Services has been providing California residents with personalized insurance services since 1922. Contact us today for all of your Calimesa insurance needs. We can help you determine the best plan to properly insure your college student through personalized auto insurance and rental insurance policies.