Before They Head to Campus: 5 Insurance Questions Every Parent Should Ask
Sending your student to college? Here’s how to make sure they’re protected before move-in day.
There’s a lot to think about before your child heads off to college. Bedding, books, tuition, meal plans… the list never seems to end.
Insurance probably isn’t at the top of that list.
But taking just a few minutes to review your coverage now can help prevent expensive surprises later. Whether your student is living in a dorm, renting an apartment, or commuting from home, here’s what every family should review before move-in day.
1. Is their car still covered?
If your student is taking a vehicle to school, it’s a good time to review your auto policy.
Questions to consider:
- Is the college far enough away that it changes how the vehicle is rated?
- Will they be driving daily or only occasionally?
- Are all drivers and vehicle locations up to date on your policy?
Small details can affect your coverage and premium, so it’s worth making sure everything is accurate.
2. Do they need renters insurance?
Many parents assume their homeowners policy covers everything their student owns.
Sometimes it does. Sometimes it doesn’t.
Coverage limits, deductibles, and where the student lives all matter. If they’re living off campus, renters insurance is often one of the most affordable ways to protect laptops, electronics, furniture, clothing, and other personal belongings.
It’s a small investment that can provide significant peace of mind.
3. Will their health insurance work where they’re going?
If your student is attending school out of state, check that they’ll have access to doctors and urgent care facilities near campus.
You should also understand:
- Whether their providers are in-network
- What emergency care looks like away from home
- Whether the school’s health plan makes sense for their situation
No one expects to get sick at college, but it’s better to know your options before you need them.
4. Are they still covered under your policies?
College can change more than just their address.
Depending on your family’s situation, you may want to review:
- Auto insurance
- Homeowners insurance
- Umbrella liability coverage
- Valuable personal property like jewelry or expensive electronics
Every family is different, which is why a quick review can be valuable.
5. Have you reviewed everything together?
College is a great time to start teaching financial responsibility.
Spend a few minutes explaining:
- What insurance is for
- What to do after an accident or theft
- Who to call if something happens
- Where to keep insurance cards and important information
Those conversations can build confidence long after graduation.
A Quick Review Today Can Save a Headache Tomorrow
College brings plenty of new experiences. Insurance questions don’t have to be one of them.
At Capitol Benefits, we believe insurance should be simple, personal, and built around your life. If your family has questions before move-in day, we’re happy to walk through your coverage and help identify any gaps.
No pressure. Just honest advice from people who care.
Ready for a back-to-school coverage review?
Contact the Capitol Benefits team today, and we’ll help make sure your student is protected wherever this next chapter takes them.
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