Get a Quote | File a Claim 616.897.1515

Back to School TipsCollege is expensive enough without the added cost of unexpected accidents or theft, and it's stressful enough without the extra worry of whether they are 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

  • 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 or call our office with questions. Some items such as jewelry or expensive electronics require special coverage. Renters insurance is strongly recommended to make sure your child and their belongings are fully protected. 
  • 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. You can also read our guide to creating a home inventory

Auto

  • Car Staying Home:  If you child isn't bringing a vehicle to school but they will still drive your car while at home on school breaks, you should keep your child listed on your auto policy.
  • 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.
  • Discounts:  Many insurance carriers reward good grades! A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Discounts may also be available for drivers under 21 who have completed driver’s education courses.

Before your child leaves for school, be sure to call Alliance at (616) 897-1515 or e-mail us with questions. We can walk you through the steps to ensure you have the right coverage to protect you and your child at school. We’re always here to help!

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
   
Social Media
HELPFUL LINKS: Home About Us Get A Quote Blog Privacy Policy Contact Us 

423 W. Main Street, Lowell, MI 49331 | Phone: 616.897.1515 | Fax: 616.897.1414
Quality Protection with Value Pricing
© Copyright Alliance Financial & Insurance. All rights reserved. Powered by Insurance Website Builder
Automobile Insurance Homeowners Insurance Life Insurance Renters Insurance
Find Us on Facebook Follow Us on Twitter Connect With Us On LinkedIn RSS