If your child has recently started—or returned to—college, it's only natural for you to worry. For instance, you may have wondered if it's practical or necessary for them to have insurance coverage. Here are some of the most important types of insurance coverage for college students.

Auto

If your student has a car on campus, it must be covered by auto insurance. Not only is it the law in Alabama, but navigating the large amount of foot and vehicle traffic on campus can be treacherous.

Moreover, drivers face a considerable risk of vandalism and even auto theft on campus, particularly at large schools in urban areas. For these reasons, comprehensive and collision coverage are essential. Lastly, liability coverage protects students if they injure someone or damage their property while driving. It also covers potential legal fees. If your student doesn't have a car on campus, notify your insurer. You may qualify for a "distant student discount," which covers your child under your policy while they are at home for breaks and holidays.

Renters

Your child likely has a considerable amount of money invested in clothing, electronics, and other personal items. Renters coverage pays to repair or replace these if they're lost due to fire, storm, vandalism, or theft. Note that floods and earthquakes are normally excluded, but you can purchase separate coverage against these perils for an additional amount. Renters insurance also guards against liability, so if your student or their dog should accidentally cause injury or property damage, the policy will pay for it. Lastly, it pays for additional living expenses incurred—including hotel fees, restaurant tabs, and laundry expenses—if their house or apartment should become uninhabitable due to a fire or storm.

In some ways, insurance is even more important for college students than it is for older adults because of the particular risks they face on campus. To discuss your coverage needs with a knowledgeable agent, contact Ebert Agency in Foley, AL. They've been serving businesses and individuals throughout Baldwin County since their founding in 1928. Visit their website to request a quote, or call (251) 943-2281 to speak with a friendly professional.