It's that time of year when students head off to college. Does your homeowner's insurance cover your child's property while there?
If he is staying in a dorm or school-affiliated housing, generally speaking your coverage will extend to him but there may be restrictions.
If he is staying off-campus in non-school housing, your coverage may likely not carry over.
Other coverage requirements will vary among insurance carriers, with common examples being:
- credit hour requirements
It's best to clarify with your insurance agent if your homeowner's coverage will extend to your child and what the coverage amounts are, if so.
Once you have this information, work with your child to make a list (adding video documentation will be even better!) of all his possessions and their value to confirm your policy will cover them.
Even though it may not seem like they should have a lot, it can quickly add up between cell phones, clothes, jewelry, musical instruments, gaming equipment, other electronics, bicycles, furniture, etc.
With property theft on college campuses becoming more common, having an inventory ahead of time can save you considerable time and headaches if your child becomes an unfortunate victim.
Don't leave your child's property vulnerable. Call me at 706-726-1446 to learn more about insurance coverage options.