{"id":176,"date":"2016-08-23T06:16:31","date_gmt":"2016-08-23T06:16:31","guid":{"rendered":"http:\/\/www.allins.com\/blog\/?p=176"},"modified":"2018-10-18T14:26:33","modified_gmt":"2018-10-18T20:26:33","slug":"a-few-tips-for-the-college-bound","status":"publish","type":"post","link":"https:\/\/www.allins.com\/blog\/a-few-tips-for-the-college-bound\/","title":{"rendered":"A Few Tips for the College-Bound"},"content":{"rendered":"<h2><\/h2>\n<p><span style=\"font-size: 16px;\"><img decoding=\"async\" id=\"header\" style=\"float: right; margin-bottom: 15px; margin-left: 15px;\" title=\"Back to School Tips\" src=\"http:\/\/www.allins.com\/blog\/wp-content\/uploads\/2018\/06\/student-in-library-2.jpg\" alt=\"Back to School Tips\" \/>College is expensive enough without the added cost of unexpected accidents or theft, and it&#8217;s stressful enough without the extra worry of whether they are covered by\u00a0your 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.<\/span><\/p>\n<p><strong><span style=\"text-decoration: underline; font-size: 18px;\">Homeowners<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 16px;\"><strong>Personal Property:<\/strong>\u00a0 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\u00a0questions. Some items such as jewelry or expensive electronics\u00a0require special coverage. <strong><a title=\"Renters Insurance\" href=\"http:\/\/www.allins.com\/renters\/\" target=\"_blank\" rel=\"noopener\">Renters insurance<\/a> is strongly recommended<\/strong>\u00a0to make sure your child and their belongings are fully protected.<strong>\u00a0<\/strong><\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>Liability Coverage:\u00a0<\/strong> General damage to a dorm room or apartment is not usually covered.<\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>Documentation:<\/strong>\u00a0 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 <a title=\"How to Create a Home Inventory\" href=\"http:\/\/www.allins.com\/blog\/why-a-home-inventory-is-important.aspx\" target=\"_blank\" rel=\"noopener\">guide to creating a home inventory<\/a>.\u00a0<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"text-decoration: underline; font-size: 18px;\">Auto<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 16px;\"><strong>Car Staying Home:<\/strong>\u00a0 If you child isn&#8217;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.<\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>Car at School:<\/strong>\u00a0 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.<\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>Discounts:\u00a0<\/strong>\u00a0Many 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\u2019s education courses.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 16px;\">Before your child leaves for school, be sure to call Alliance at (616) 897-1515 or <a href=\"mailto:info@allins.com\">e-mail<\/a> 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\u2019re always here to help!<\/span><\/p>\n<style>\n    body{ line-height: 150%;} #header { width: 50%; height: auto; max-width: 500px;}<br \/>\n<\/style>\n","protected":false},"excerpt":{"rendered":"<p>College is expensive enough without the added cost of unexpected accidents or theft, and it&#8217;s stressful enough without the extra worry of whether they are covered by\u00a0your 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,1,12,11],"tags":[],"class_list":["post-176","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-home-insurance","category-renters-insurance","category-teen-drivers"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/comments?post=176"}],"version-history":[{"count":2,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/176\/revisions"}],"predecessor-version":[{"id":440,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/176\/revisions\/440"}],"wp:attachment":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/media?parent=176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/categories?post=176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/tags?post=176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}