Your Teen Is Going To College
A New Chapter In Your Young Adult's Life
You can't believe it -- your child is standing there, bags packed ready for their new adventure: going away to university or college.
It's hard to let go. But you can make sure to help protect them as they head out on their own with the right insurance.
Secure Insurance Solutions can help you make sure to get the right insurance for your student, and make sure that you get only what you need at an affordable price. We have some advice on some of the insurance policies you'll want to consider:
- Auto Insurance
- Homeowners or Renters Insurance
- Health Insurance
Think twice about dropping your student from your auto policy.
- They may want to borrow your car when they're home at Christmas.
- They may get asked to be a "designated driver" one evening for a friend's car that's not properly insured.
- Even if they don't take a car to school, they'll be fully protected if they're hit by a car while walking or bicycling, or as a passenger in somebody else's car.
This also has some advantages for your student's future insurance coverage. With a continuous insurance coverage it could be beneficial when he or she gets their own Auto Insurance policy.
You can also apply for the Student Away at School Discount if your student attends college or university over 160 km away from home and keeps the vehicle at home. It's still covered when they come home during holidays and school breaks and drive the car.
If your student takes a car to school, you can keep them on your auto policy. They should because it's generally more expensive for young drivers to have their own policy.
Be sure to notify us about the new garaging address. Not only do insurance companies prefer that, but it could save you money.
Full-time college and university students can usually remain covered on their parents' auto policy if their primary address is the parents' house. If your student owns the vehicle and holds the title, they'll need their own policy.
Call us at Secure Insurance Solutions and we'll get you an affordable package for your student. We'll review your situation and make sure all coverage is current and adequate.
Home Or Tenants Insurance
Your student has a brand new laptop and a television. You want to make sure that your valuable electronics are insured from theft, vandalism or fire.
If your student stays at home while going to university or college, their belongings are covered under your policy. Even if your student stays in a dorm room on campus and you have Renters and Homeowners Insurance, your insurance policy will extend to cover their belongings up to a limit determined by your insurer.
Contact us to check that the personal property limit on your homeowners policy is adequate. You might need additional coverage to insure expensive items like jewelry, musical instruments, or certain sports equipment.
If your student lives in off-campus housing, or shares an off-campus house or apartment with friends, things get a little trickier. You may need separate coverage for your student. That not only covers their possessions but also liability coverage. Plus, many landlords need Tenants Insurance as a requirement of the lease.
Depending on your student's particular situation, there might be some other variables that need to be considered. This is where Secure Insurance Solutions comes in handy.
If your student is about to move into his or her own place, give us a call. A broker can help you get the best value and protection for your money.
It's Reading Week and your student has headed off on a trip with friends. What if they get hurt? Likely your student will need advice. Secure Insurance Solutions can help give you the right advice, and make sure your student is still covered while on vacation.
Please note: If your student travels while in school, make sure you check if their Health Insurance coverage extends to overseas travel. Many times it does not.
One Place For All Your Insurance Needs
There are so many things to think about to prepare your student for university or college. Our team can make sure that you're prepared so that you can protect your student.
Our family-oriented agency has helped thousands of clients get prepared for the changing insurance needs of new college and university students and their families, while making sure they get the best protection for their insurance dollar. We know where to look to find the discounts!
Contact us today 519-986-3250 for a free review of you and your student's insurance plan.