For many students, this will be their first time on their own - more or less - but they may need some assistance when it comes to their insurance.
College kids may be young and feel unstoppable, but they are far from immune to disease, injury, theft, or even lawsuits. Student insurance coverage is almost as important as making sure your course selection fills the appropriate major requirements. But what kinds of personal insurance do college students need in order for their college experience to be the best possible experience? If you're a college student, or about to become one, knowing the insurance you need could avoid unwanted headaches down the road.
Property Insurance
No matter where you live, you definitely need insurance to cover theft and damage to personal property like your laptop, speakers, bicycle, bed, etc. If your parents have homeowners insurance, then your personal property is covered if you live in a dorm or if you live off campus. It's important that you make a list of all your things to get a good estimate. Add up the PS4, laptop, bicycle, clothes, and make sure you talk it over with your parents and insurance agent.
Health Insurance
Thanks to the new health care law, young adults can stay on their parents' health care plan until they reach the age of 26. And let's not beat around the bush: at college, you'll be attending parties with all sorts of substances. It's important to note that many health care plans exclude injury while under the influence of alcohol or drugs. So if you're going to drink, be sure that you're over 21 and do it SAFELY.
You may finally be free and on your own, but that doesn't mean you don't need help making sure that you and your things are covered. For help finding the right insurance policy in Banning, Beaumont, Calimesa, or Redlands, California,
contact the insurance professionals at Little & Sons Insurance Services.
