When kids hit college, they’ll reach an entirely new level of independence. With unstructured time and the freedom to make their own day-to-day decisions, they’ll still need support from you. Here are some campus life issues to discuss.
Keep possessions safe
College campuses and especially dormitories bring thousands of young people into one small area. That’s why it’s important to urge your student to keep their door locked whenever they leave the room for any length of time. It only takes seconds for an opportunistic thief to slip and disappear with their laptop or other valuable items. Also, have a talk with your Assure America insurance agent. If your college lists your house as their permanent address, your homeowners insurance coverage would most likely extend to your student’s belongings in the dorm.
Don’t leave them uninsured
Once your student lives off-campus at their first apartment, that simple carry-over homeowners coverage may disappear. In that case, a separate renters insurance policy in your student’s name can offer protection, so your student doesn’t have to start from scratch. The good news is that these low-cost policies are often affordable, even for college students living on slender budgets.
Check your auto insurance
Every student’s situation varies, and different situations will have different impacts on auto insurance costs. For example, costs could increase if your student brings their car on campus, especially in an urban setting. Some parents see a discount if their student leaves the car at home.
Have the talk about drinking
According to the University of Rochester, many college students binge drink, which is drinking alcohol to the point of getting drunk. Binge drinking happens when someone drinks more than four (for women) or five (for men) alcoholic drinks in about two hours. Binge drinking is the most harmful type of drinking, The start of freshman year, in particular, can be a time when a lot of heavy drinking occurs. Before your student heads to campus, talk about the risks of binge drinking, such as accidents, injuries and impulsive behavior. Along with that, brainstorm strategies so they know what to do to keep themselves and their friends safe.
To verify your insurance coverage for your college student, contact one of our professionals at Assure America. We have locations in: Weirton, Wellsburg and Chester in West Virginia; Steubenville, Ohio; Louisville, Kentucky; and Pittsburgh, Pennsylvania.
Source: Erie Insurance