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Essential Insurance Policies for Your College Student

Here are some of the insurance protections your college student should have in place.

Is your child heading off to university this fall? If so, it’s important that they have the right insurance coverages to ensure that they are ready for anything that comes their way. Here are some of the essential insurance coverages that your college kid should have in place.

Health Insurance

Nowadays, most universities require students to carry some form of health insurance. Students generally have the option to show proof of their personal health coverage or enroll in the school’s student health insurance program. Usually, school health plans are an affordable way to ensure that your child has access to basic medical treatment. However, if you would like to keep your child on your existing health insurance, then check with both your insurer and your child’s school to ensure that your student will be adequately covered.

Renters Insurance

Whether your child is living in campus housing or in an off-campus apartment, it’s important to make sure they have the right renters insurance to protect their personal belongings. Not only will this type of insurance offer coverage in the event that your child’s personal property is damaged or stolen, but it will also ensure that they have coverage for any liability issues that may arise in their dorm or apartment space.

Auto Insurance

If your child is planning on taking a car with them to campus, it’s important to make sure that they have the proper auto insurance in place. Depending on where your child is attending school, you may have the option to keep your child on your family’s auto insurance policy. However, in some cases your child might need a personal policy of their own. To ensure that your student has the car coverage they need, be sure to speak to your insurer to learn about your coverage options.

These are some of the essential insurance coverages that your college student may need this coming school year.  Looking for assistance with your personal insurance needs?  Then don’t hesitate to contact the experts at Vail Agency in Rochester, New York for assistance.  Our dedicated team is ready to get you the coverage that you need today.

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