Is Your Teen Headed to College? Auto and Renters Insurance Tips for Families
- Tedford Team
- 14 minutes ago
- 2 min read
Sending your teen off to college is a milestone filled with excitement, pride, and new responsibilities. While you’re busy checking off dorm shopping lists and moving plans, it’s also the perfect time to review your family’s insurance coverage. From cars to personal belongings, making sure your student is protected gives everyone peace of mind.
Auto Insurance: What You Should Know
Many families wonder what happens to their auto insurance when their teen leaves for school. Here are a few things to consider:
Location matters. If your student takes a car to college, your insurance rates may change depending on where the vehicle will be kept.
Good student discounts. Many insurers offer discounts for students who maintain strong grades. This can be a great way to keep premiums lower.
No car at school? If your teen isn’t bringing a car, they may still need to remain listed on your policy so they’re covered when they come home and drive.
Renters Insurance: Protecting Dorms and Apartments
Your teen will likely bring along expensive items—laptops, phones, gaming systems, and more. While some personal property might be covered under your homeowners policy, coverage is often limited. Renters insurance can provide:
Coverage for belongings. Protects against risks like theft, fire, and water damage.
Liability protection. Helps if your student is responsible for accidental damage or injury to others.
Affordable peace of mind. Renters policies are usually inexpensive, often costing less than a few cups of coffee per month.
Why Review Coverage Now?
College is a time of independence, but it’s also a time of transition. Reviewing auto and renters insurance before move-in day helps ensure your family won’t be caught off guard by unexpected losses or accidents.
Product descriptions provide a summary of coverage and are provided as a reference only. The actual policy determines coverage. The policy contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions, and requirements.
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