With your children going back to school, it is important to make sure that they are protected while they are out of your house. If you have a child that is going to college this year, it is important to look over your insurance policies to ensure that they have enough coverage for any situation.
- Homeowners insurance. Your already existing homeowners insurance policy should provide the right amount of coverage if your child is moving into an on campus dorm. Homeowners insurance policies will provide a certain amount of liability for belongings that are kept at a different residence, such as at a dorm. Make sure to contact your insurance agent to ensure that you have the right amount of coverage for all of their belongings.
- Renter’s insurance. The only way to provide the right amount of protection for your child’s assets if they are moving into an off campus house or apartment is to invest in a renter’s insurance policy. Although the landlord will have an insurance policy for the building, it will not cover the assets that are inside. Also make sure that you do not rely on a roommate that has a policy, since they will typically not have enough coverage to cover the belongings of two people.
- Auto insurance. Even if your child is not taking their car to school, do not remove them from your auto insurance policy, since they may still drive the car when they come home for break. You may qualify for discounts to help you save on your auto insurance if your child goes to school more than 100 miles away, or if the maintain at least a “B” average.
For all of your insurance needs throughout Nevada to ensure that you and your loved ones have the right amount of coverage, contact the insurance professionals at All Nevada Insurance with locations in Las Vegas and Henderson. We can provide you with the most comprehensive policies to protect you in any unfortunate situation, all at the right price.