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Are College Students Covered? Parents Should Review Their Policies

This is the time of the year when new college students make the transition from home to campus. The parents of college students moving to...
July 26, 2011

This is the time of the year when new college students make the transition from home to campus. The parents of college students moving to on-campus or off-campus housing should review their insurance policies to make sure their children's personal possessions are covered while they are away at school, according to the Insurance Information Institute (I.I.I.).

Some homeowners and/or renters policies include protection for a college student's personal possessions (e.g., a TV, clothing and furniture) away from home, if they live on-campus and the student's property is stolen or damaged. Other policies may limit the amount of coverage for a college student's belongings to 10 percent of the total amount of a policy's overall coverage for personal possessions. The I.I.I. has a list of suggestions for parents and a video on the topic.