College Students May Not Be Covered By Insurance

With the hustle and bustle of getting ready for school, it is easy to overlook your insurance coverage.

AAA is warning parents to make sure their college-age children are not at risk.

"They take with them very expensive items like laptops and cell phones and tablets, and these things are necessary today. They're not luxury items. The children really need these things and they need to check their insurance coverage to make sure they have appropriate coverage for the students," said Cindy  Antrican, AAA.

If parents have a homeowners’ policy, it is possible that the undergrad is partially covered if they are living on campus.

Insurance rules are different once students move off campus.

"For students living off campus, they need to get a renters policy, and it's very important the students name be on the lease for the coverage," said Antrican.

Renters’ insurance would cover content and liability and give parents peace of mind.

"When you look at the price of a laptop or cell phone, it's just peace of mind knowing it's one more thing you don't have to worry about. A lot of times students don't know what's available to them. They just know mom and dad take care of it for them," said Antrican.

Parents should also not forget the car.
 
"A lot of times students first year won't take a car with them, and they could be entitled to credits back on their auto insurance," said Antrican.

A review of coverage can help avoid headaches down the road for parents and students.

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