📚 Back-to-School Insurance Tips & Tricks Every Parent Should Know

As backpacks are packed, lunches are prepped, and routines return, the back-to-school season is a great time for more than just school supplies—it’s also the perfect opportunity to review and refresh your insurance coverage. Whether you’re sending a child off to kindergarten or college, making sure your family is protected gives you peace of mind all year long. 

Here are some essential insurance tips and tricks for families to consider as the school bell rings again: 

🏠 1. Review Your Homeowners or Renters Insurance 

Why it matters: With kids bringing home electronics, sports equipment, and school supplies, it’s smart to ensure your personal property is covered. 

Tips: 

• Check if high-value items like laptops or tablets are covered, especially if they travel to and from school. 

• Consider scheduling personal property or increasing your personal property limit for added protection. 

• If your child is heading to college, their belongings may still be covered under your policy—but only if they live in campus housing. 

🚗 2. Update Your Auto Insurance Policy 

Why it matters: Back-to-school means more time spent on the road—carpooling, commuting, or even student drivers getting behind the wheel. 

Tips: 

• Let your insurance provider know if your teen is now a licensed driver. 

• Consider adding roadside assistance or accident forgiveness for extra protection. 

• If your student is away at college without a car, ask about a “student away” discount. 

🩺 3. Reevaluate Your Health Insurance 

Why it matters: From school physicals to sports injuries, kids often need more medical care this time of year. 

Tips: 

• Make sure your children are listed as dependents and that their coverage is up to date. 

• Double-check in-network providers near your child’s school or college. 

• Consider supplemental accident insurance if your child participates in school sports. 

💻 4. Cyber Insurance for Digital Learning 

Why it matters: Many students now rely on online platforms for homework, classes, and communication—making them vulnerable to cyber threats. 

Tips: 

• Ask about coverage for cyberattacks, identity theft, or online fraud. 

• Teach kids about secure passwords, phishing scams, and digital safety. 

• Consider adding a cyber liability endorsement to your homeowner’s policy. 

💡 5. Life Insurance—Plan Ahead 

Why it matters: While it’s not something we like to think about, having life insurance ensures your family’s financial stability in case of the unexpected. 

Tips: 

• Review your current policy and update beneficiaries if needed. 

• If you don’t have a policy yet, back-to-school season is a great time to assess your needs. 

• Some policies offer coverage for children too—talk to your agent about your options. 

📝 Bonus Tip: Schedule an Annual Insurance Review 

The start of the school year is an excellent time to sit down with your insurance agent and review all your policies. Life changes quickly, and staying ahead ensures your coverage keeps up. 

🎒 Ready for a Safer School Year? 

At Midwest Certified Insurance Agency, we’re here to make sure your family is protected—from the classroom to the carpool lane. Let us help you gear up for a worry-free school year with customized insurance solutions that fit your needs and your budget. 

📞 Contact us today to schedule your free policy review or get a quote!