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5 Ways to Pack the Right Insurance for Your College Student

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Sending your kid to college with the right coverage can make the transition less stressful.

If your son or daughter is heading to college soon, you might be scrambling to get their favorite clothes packed, plenty of clean towels bought, and spending lots of quality time together. What you should also consider is double checking that your insurance policies are not only up to date, but that they’re also protecting your loved ones and their belongings at school.

1. Check the Car

Even if your freshman student isn’t taking a car to campus, you can and should review your car insurance policy before they get to school.

“First year most colleges don’t allow you take a car to school,” remarked Darla Avery, a longtime PayneWest agent in Cottage Grove, Oregon. “So, the car stays home. But, if the student is going to school more than 150 miles away from home, they can be listed as a ‘distant student’ on your car insurance policy and it will reduce your rate.”

When the kids come home at breaks, you don’t have to change anything to keep your coverage! “The distant student designation will cover personal injury (medical) if they get into an accident at school, and when they come home, they can hop back in their car and have existing coverage currently on the vehicle during breaks,” Avery added.

Darla Avery – Cottage Grove, OR

Discuss the following:

  • Never leave the keys in the car — even for “just a minute.”
  • Always lock your car no matter what, and don’t loan spare keys.
  • Don’t let friends drive their car — it’s the owner’s insurance that’s primary in an accident.
  • Don’t leave valuables like computers or smartphones out for thieves to find in a parked car.
  • Park in safe spaces, under bright lights and around lots of people. How safe would your child feel coming back to a dark, secluded parking spot late at night?
  • Don’t drive when intoxicated, or get in the car with a drunk driver — EVER.


Motor vehicles were stolen at a rate of 236.9 per 100,000 people in 2016, up 6.6 percent from 2015.* The most often stolen make and model cars in 2016: the Honda Accord and Honda Civic.**

2. Keep Safe at Home

While dorms offer the security of lots of friends and neighbors, they also pose a risk when students leave doors open and valuables unattended. Your homeowner’s policy should extend to cover your child’s dorm room, but once they’re living off campus at an apartment, you should update your coverage with a renter’s policy.

Remind your student:

  • Don’t give your keys to a friend or make extra copies that can get lost.
  • Don’t forget to lock your door and carry keys with you (even on a trip to the shower).
  • Talk to roommates to make sure everyone is on the same page for greater safety.

3. Know Your Valuables’ Value

While most students would be quick to mention their smartphone or computer as their most valuable items, often you can forget about other items like valuable jewelry, small electronics, expensive clothes, or even just credit cards that are seldom used.

Before you pack:

  • Make a list of all valuables before your child packs the car. Note serial numbers, distinguishing characteristics, and versions of anything they’re taking. If anything is stolen, having a list will make for an easy campus police report or allow you to spread the word quickly.
  • Take pictures of valuables like rings and other jewelry, including inscriptions and talk about if it’s really worth it to take them to school.
  • Consider the cost to replace valuables like electronics. Avery points out that it’s just $12 for up to $1,000 of scheduled electronics coverage.

Burglary was the top reported criminal incident reported in 2015, according to the National Center for Educational Statistics, with over 12,300 reported to police.***

4. Consider Insuring High-Value Apartment Items

If your child is taking valuables that would be expensive to replace, and they’re living in an off-campus apartment, you can consider adding them as individual schedules to their renter’s insurance policy. With a scheduled item, you won’t pay a deductible, saving you $250-$500 if they have to get replaced.

Avery pointed out to be sure you’re not paying for double coverage on electronics that won’t help in the event of an accident, theft, or loss. Often the lure of an “extended warranty” on pricey electronics can be money spent without any added coverage. Check your insurance policies before shelling out extra money on warranties you don’t need.

5. Be Covered In Case of Accidents (And There Will Be Accidents)

College years can be a time for making lots of memories and having great stories to tell years later. Under your child’s renters insurance in an apartment, or your homeowner’s policy liability coverage, you can be covered in case of accidental bodily injury or property damage to others.

This means, when your child accidentally busts off a sprinkler head in the hallway while they’re playing hockey with a friend in the middle of the night, and the sprinklers go off across the entire apartment building for several hours and they cause several hundred thousand dollars worth of damage — they’ll be covered.

It’s a great story, but not a fun way to get into a major financial hole.

Are you and your children covered? Give Darla or one of our agents a call today.


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* Data from the 2016 FBI Uniform Crime Report

** Data from the National Insurance Crime Bureau (NICB)

*** Data from the National Center for Educational Statistics

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