Grab the Tissues - It's Time to Send Your Kids to College
Sending your children off to college requires much more than a set of books and a few boxes of tissues for the tears. From bed linens to meal plans, the to-do-list may seem never ending. Here at Swingle Collins & Associates, our personal insurance advisers take back to school season very seriously. We strive to provide the utmost protection available for our clients to ensure a fun and safe experience. Take one more thing off your to-do-list.
Although college students face many risks, proper protection is available. A few insurance options to consider are:
- Homeowners insurance
- Renters insurance
- Valuable articles insurance
- Auto insurance
- Umbrella policies
If you are purchasing a house for your student, a typical homeowner’s policy will need to be implemented into your insurance repertoire. On the other hand, if your student chooses to rent a home or an apartment, renters insurance would be the best option. Renters insurance will protect your student’s possessions and their liability while in the rented space. You may also choose to schedule a valuable articles piece to the renter’s policy to protect possessions such as laptops and iPads.
Is your student a collector? If they choose to bring their valuable collection to college with them you may also consider purchasing a valuable articles insurance policy.
Although your student may already own a car and have auto insurance, visiting your trusted insurance adviser to review your current policy would be a wise decision. In many cases, changing the garaging addresses under your student’s auto insurance policy may reduce the rate on the vehicle. Also, if your student drives less than 8,000 miles per year, you may be eligible for an additional discount. Your student won’t be taking a car to college? If your student is at least 100 miles away from home, your auto policy may be eligible for a sizable discount as well.
Finally, considering an umbrella policy may be in your best interest. Generally an inexpensive option, umbrella policies provide further protection for your student. If your student chooses to join and hold a position in a Panhellenic organization or any other group on or off campus, liability increases and that further protection will be money well spent.
Call your trusted insurance adviser at Swingle Collins & Associates today to gain the protection that is available to you and your student in this exciting season of life.