Is Your Student’s Car Properly Covered?
At Day Insurance Agency, we help parents navigate auto and renters insurance for college students. Many college students bring a vehicle to campus, but not all policies are ready for the change.
If They’re Driving a Family Vehicle
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- Keep them on your policy if they still use a car registered to you
- Update the “garaging address” to their campus or apartment
- Confirm coverage extends out-of-state if they attend college elsewhere
- Ask about a student-away discount if they live more than 100 miles away without a car
If They Own or Lease Their Own Car
They’ll need their own auto insurance policy. Coverage should include:
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- Liability Insurance (required by law)
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
Renters Insurance: Dorm or Apartment, It Matters
Dorm students may have limited coverage under a parent’s homeowners policy (usually 10% of personal property coverage). Once they move off-campus, renters insurance is essential for protecting their belongings.
Why Every Student Off-Campus Should Have Renters Insurance
Renters insurance is affordable—just $12–$20/month. It typically includes:
- Personal Property Coverage for belongings
- Liability Protection for lawsuits or damages
- Loss of Use coverage if the rental becomes unlivable
What Parents and Students Should Ask Their Agent
Before school starts, confirm:
- Is my child covered under my auto or homeowners policy?
- Should we update the car’s location?
- What’s the best way to cover electronics and bikes?
- Are roommates’ belongings covered separately?
- Does liability extend to guest injuries?
Coverage Extras to Consider for Students
Additional protection may include:
- Scheduled riders for valuables like jewelry or instruments
- Identity theft protection for students at high cyber risk
- Roadside assistance for student drivers
College is an exciting new chapter, but it also brings added responsibility. With the right auto and renters coverage, students gain peace of mind while parents know their child’s future is protected. At Day Insurance Agency, we make back-to-school planning simple, affordable, and stress-free.
Give your student the gift of security and independence. Call Day Insurance Agency at (724) 228-3448 in Washington, PA or (724) 356-7700 in Hickory, PA. Help your student start the semester with confidence by securing auto and renters insurance for college students.