Whether your teen is living on campus, driving to class, or managing their health independently for the first time, having the right insurance in place is a smart way to protect them and your peace of mind.
Here are the top insurance tips to review before your college student packs the car this fall:
Health Insurance
Most college students can stay on a parent’s health insurance plan until age 26, regardless of whether they live at home, attend school out of state, or are financially independent. But not all health plans offer equal access depending on location.
What to Check:
- Is your current plan accepted by doctors and hospitals near the college?
- Does the college offer a student health plan that could supplement or replace coverage?
💡 Pro Tip:
If your plan is an HMO or EPO and the college is out of network, you may face higher out-of-pocket costs. Consider a PPO plan or a college-sponsored policy if your student needs broader access to care, or plan to schedule appointments during their breaks from school where they may be in your home area.
Renters Insurance
College life brings laptops, smartphones, textbooks, bikes, and other valuable items—all of which are vulnerable to theft, fire, or damage.
If your child is living in a dorm, their belongings may be partially covered by your homeowners insurance. But if they’re renting an off-campus apartment, they likely need a separate renters policy.
What to Check:
- Does your homeowners policy include “off-premises” coverage?
- What are the limits and deductibles?
- Will your child need liability protection (for damage they cause to others)?
💡 Pro Tip:
A renters insurance policy is usually very affordable (often under $20/month) and can cover both personal property and liability—offering a lot of value for a small cost. It can never hurt to have this coverage in cases where their personal belongings or liability could be involved.
Auto Insurance
If your student is taking a car to school, your auto insurance needs may change. Even if they’re not taking a car, it’s still smart to keep them on your policy in case they drive a friend’s vehicle or come home on breaks.
What to Check:
- Should you update the car’s location if it’s now parked on campus?
- Will they be driving out of state?
- Can they qualify for a “student away” discount if they’re not bringing a car?
💡 Pro Tip:
Keeping your student listed o 
n your policy ensures they have liability protection if they borrow a vehicle, rent a car, or get into an accident during school breaks. It also gives you one less ‘to-do’ to re-add them when they are back and using your vehicles during breaks or after college ends.
Personal Liability
College students are often in shared spaces—dorms, off-campus housing, parties and accidents happen. If your student unintentionally causes injury or damage, you could be held financially responsible.
What to Consider:
- Does your current policy offer enough liability protection?
- Would an umbrella insurance policy offer added peace of mind?
💡 Pro Tip:
Umbrella coverage kicks in after your auto or renters policy limits are exceeded. It’s often affordable and can give you extra protection in accidental situations.
Give Them Confidence—And Give Yourself Peace of Mind
College is about new beginnings and learning independence, but your teen doesn’t have to face it all alone. A little planning now ensures they’re protected if the unexpected happens. Regular occurrences like a stolen laptop, trip to urgent care, or car accident can be a financial strain without coverage- so make sure to help them as they ease into adulthood!
