How Your Homeowners Insurance Covers Your College Student

Massachusetts has some of the finest universities in the country yet even if your kids are studying nearby, at some stage they’ll be heading out into the big wide world. When they do, it’s advisable to check how they might be protected by homeowners insurance. MA providers can offer coverage for a number of situations.

Should your child be living in college housing, it may be possible to ensure that your homeowners’ policy covers their possessions. Many college students have a laptop and phone as a minimum. Add a bike, stereo equipment and video games and there’s a lot that could be lost due to theft, fire or other disaster so ensuring that there is some kind of coverage in place can be a smart move.

Once your son or daughter decides to move away from college, they will need to purchase protection for their personal items. It’s likely they’ll be renting, in which case the landlord’s insurance will cover the dwelling but not the renter’s contents. Those that share with other students or friends will each need an individual insurance policy for their belongings. Renters’ insurance also provides a liability component, which is very useful to safeguard against the financial implications of anyone being injured on the property.

When your child is at the stage of moving out, be sure to ask whether their possessions will be covered on your homeowners insurance in MA.  Insurance providers may cover certain belongings if your child is moving into dorm accommodation otherwise it is worth inquiring about a separate renters’ insurance policy to ensure your child’s possessions will be protected.

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