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Parents of college students know how hectic the last summer before school starts can be. While it’s normal to be focused on your child’s move, it’s also important to review all coverage options with an insurance agency, so your teen is prepared. The team at Mitchell Insurance Agency LLC, located in Houston, MO, offers some tips for parents to make certain their students are properly insured when they’re away at school.

Coverage to Discuss With an Insurance Agency 

1. Homeowners or Renters 

Ask the agent if your child’s belongings are covered under your homeowners policy. Your coverage may extend to your kid’s possessions if they live on campus but not if they rent a house or apartment. Otherwise, students benefit from a renters insurance policy, which protects their items from fires, storm damage, and theft.

2. Auto 

insurance agencyIf your child is taking a vehicle to college, ask the insurance agency if your existing auto policy covers their car. Though your plan may protect students who attend an in-state college, the cost may vary based on the city and state they live in. Also, make sure your child has the necessary coverage if their job requires them to drive their own car, such as working for Uber or delivering pizzas.

3. Life

Consider purchasing a term life insurance policy if there’s a gap in coverage and your student relies on your income to pay their bills. The plan protects your child if you pass away prematurely and ensures their tuition is covered. It’s wise to buy enough life insurance to cover you until your youngest child graduates from college.

The team at Mitchell Insurance Agency LLC offers a wide range of quality products to protect your children while they are away at school. They have over 65 years of experience and will work to find a policy that suits your needs and budget. Call (417) 967-2140 to schedule an appointment and discuss your situation. You can also visit them online to learn more about the insurance agency.

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