Back-to-School Checklist: Insurance Coverage You Should Review

Back-To-School Checklist

Auto Insurance

• Confirm where the vehicle will be kept: If a student takes a car to campus, tell your insurance agent where it will be kept during the school year. 
• Review who is listed as a driver: Make sure the policy states who will be driving the vehicle. 
• Check liability and physical damage coverage: Review liability limits, comprehensive, collision, and uninsured or underinsured motorist coverage. 

Renters or Homeowners Coverage

• Make an inventory of the items in your space: In case of a fire, theft, or other liability concerns, create a list of electronics, furniture, bikes, clothing, textbooks, and other valuables. 
• Consider renters insurance for off-campus housing: Renters insurance can help protect personal property and may include liability coverage. 
• Schedule high-value items if needed: Laptops, TV’s, cameras, and other expensive items may need additional coverage.  

Health Insurance 

• Find providers near school: Find nearby doctors, urgent care clinics, hospitals, and pharmacies included in your plan. 
• Keep insurance information available: Make sure the student has a current insurance card and knows where to go for routine visits, urgent care, and emergencies. 
• Check prescriptions: Confirm medication coverage and access to pharmacies near campus. 

Liability Coverage

• Review liability limits: Liability coverage may help if a student accidentally damages property or someone is injured in their living space. 
• Ask how coverage applies off campus: Coverage can be different depending on whether the student lives in a dorm, apartment, or house. 
• Consider adding an umbrella policy: Families with younger drivers, rental housing, or other liability concerns may want to ask about extra protection. 

Additional Coverages to Ask Your Agent About 

• Tuition insurance: May help if a student needs to withdraw from school for a covered reason. 
• Travel coverage: Can be used for studying abroad, long-distance students, or frequent travel home. 
• Life insurance: Families may want to review beneficiaries and overall protection needs as part of their annual insurance checkup.