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College is expensive enough without the added cost of unexpected accidents or theft, not covered by
your insurance policy. If you have a student heading away to school, below are a few tips to help you get
the most out of your coverage.

HOMEOWNERS (varies by state)

• Personal Property: Most homeowners policies will cover personal property for up to 10% of
your total policy while your child is residing at school (a $100,000 policy equals $10,000 in
coverage). Not all types of damage are covered, so read your policy carefully. Some items such
as jewelry or expensive electronics, require special coverage. Renters insurance is strongly
recommended.

• Liability Coverage: General damage to a dorm room or apartment is not usually covered.

• Documentation: Creating an inventory of the items your child is taking to school is a good idea.
Use photographs and keep receipts.

AUTO (varies by state)

• Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at
home on school breaks.

• Car at School: Make sure to notify us if your child will be taking a car away to school. In most
cases, if the car is registered to you and listed on your policy, it will be covered.

• Driving a Friend’s Car: Students are generally covered if they are listed on their parent’s policy
and are not regularly using the vehicle. The coverage would be secondary. The insurance for the
friend’s vehicle would be the primary coverage.

• Discounts: A full-time student meeting certain academic requirements can qualify for a good
student discount. Distant student discounts may also be available. Drivers under 21 who have
completed driver’s education may also get a discount.