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Many (MANY) years ago I left my daughter Sonya at the curb of her new college and sped away so her mom and I could go to Knott's Berry Farm while we were near by, what a great day. With kids going away to college (yippee) you may be wondering how their stuff might be covered whether they are going to be living in a dorm or renting an apartment for the first time. Do you need to purchase separate coverage for their stuff or will they still be covered under your home owners.  If they go to an out of state school will they need separate auto insurance if they are still coming home to live with you on breaks? If you are unsure and have questions as always please do not hesitate to call us and we can review your policy and see what gaps we might need to fill for this. Since there are many different types of policies and companies out there it is best we review your personal policy with any questions you may have on how things might be covered in these circumstances.


Typically if your college bound child is still maintaining your permanent address and staying in a dormitory they will be covered under your home owners or renters policy but there may be some limits on how much of their stuff will be covered. Now if they get an apartment you may need to look into getting them a separate renters policy under their name. As for Auto coverage if they are going to not have a car you may think you can remove them from your auto coverage but are they going to possibly come home and use your cars on weekends and breaks? If so you will probably want to keep them on your coverage as well as if they borrow someones car while they are away your coverage may extend to them in case of an accident. As I said though we really need to take a better look at your personal coverage and see how these questions can be answered correctly for your circumstances. So please let us know how we can help you or your loved ones with this, we are happy to help.


The Insurance Information Institute had a nice article on leaving for college and some tips on keeping your stuff safe. You can read that HERE 

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Colgrove Financial, LLC
555 W Chandler Blvd. Suite 203
Chandler, AZ 85225
Phone: 480.550.9444
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