Is your child gearing up to go to college in the fall? Is he or she planning to stay in a dorm on campus? With classes to enroll in and packing to do, there’s little time left over to think about insurance. Plus, in a furnished dorm room, how much could there possibly be to protect? A lot more than you may initially believe.
Think of everything your kid will store in his or her dorm: clothing, a laptop and smartphone, expensive textbooks and school materials, a mini fridge, a microwave and plenty more. It could be a very expensive loss if a storm destroyed the building or a thief broke in and took the valuables. So, be sure that insurance is on the college to-do list.
While policies vary from insurer to insurer, you may find that your child’s possessions are protected by your home insurance policy while he or she is temporarily living in a dorm on campus. But while this may be true about dorm rooms, it usually does not apply to off-campus apartments.
If your child is moving into an apartment, he or she will need to purchase renters insurance to get comparable coverage. We all know that college students are short on cash, but even so, it’s important that your kid’s stuff is covered. Luckily, renters insurance is only about $15 to $30 per month, so just one or two fewer pizzas sho
uld do the trick.
Your independent insurance agent can help you determine the best way to protect your college student’s belongings. Give us a call today to learn about your options and find the best one for your family.
We’ve got you covered. Call Alan Galvez Insurance at (937) 592-4871 for more information on Dublin home insurance.