Sending your teenager or young adult off to college is exciting — and maybe a little nerve-wracking. Between textbooks, dorm essentials, and late-night pizza runs, insurance doesn’t always make it to the top of the checklist. But making sure your student is properly covered is one of the best ways to protect both them and your own peace of mind.
At Reliable Insurance Agency, serving Cloquet, Duluth, Hermantown, Superior, and the surrounding Northland communities, we often hear from parents this time of year: “What do I need to update now that my child is heading to college?” Here’s a simple guide to keep you covered.
Health Insurance: On Campus and Away from Home
Most young adults can remain on their family health plan until age 26, making it the easiest and most cost-effective choice for many families. However, be mindful of a few key details:
- Out-of-network providers: If your student is attending school outside of Northern Minnesota or Wisconsin, double-check your plan’s provider network. An urgent care visit or hospital stay out of network can add up quickly.
- School-sponsored plans: Many colleges offer their own health insurance policies. Sometimes these are required if proof of family coverage isn’t provided. Compare the benefits carefully before signing up.
- International travel: If your child is studying abroad, ask us about supplemental travel medical coverage.
Auto Insurance: Whether They Take the Car or Leave It at Home
Auto insurance questions are some of the most common we receive. The answer depends on whether your student is bringing a car to campus:
- Staying on the family policy: If the car remains at home but your child is away at school, let us know — you may qualify for a “student away” discount.
- Car on campus: Update us with the new garaging location (zip code). Insurance rates vary by area, and accurate records help avoid claim issues.
- Good student discounts: Many carriers reward GPA requirements with reduced premiums.
Personal Property: Dorms, Apartments, and Beyond
Theft, spills, and accidents happen often at college — especially to laptops, tablets, and phones. How coverage applies depends on where your child lives:
- Dorm life: A dependent student’s belongings are usually covered under your homeowners insurance, though limits may apply.
- Off-campus rentals: If your student is living in an apartment or house, renters insurance is often required by landlords. This affordable policy protects their belongings and provides liability coverage if something goes wrong.
- High-value items: Consider scheduling coverage for expensive electronics or bikes.
Extra Layers of Protection
Beyond the basics, there are other ways to keep your student protected:
- Identity theft coverage: Young adults are prime targets for scams. Some policies include protection or monitoring services.
- Life insurance: For families who’ve co-signed on student loans, a small life insurance policy can safeguard against unexpected financial burdens.
- Travel & gap year coverage: Taking a year off or studying abroad? Coverage rules change — let us help review options.
Protecting Their Future, and Your Peace of Mind
Preparing your teenager or college student for school isn’t just about supplies and schedules — it’s about making sure they’re ready for the unexpected. From health coverage to renters insurance, Reliable Insurance Agency is here to help families across Cloquet, Duluth, Hermantown, Superior, and throughout the Northland protect what matters most.
Ready to review your family’s coverage? Contact Reliable Insurance Agency today to schedule a quick insurance checkup before move-in day.