As your college student prepares for campus life—whether they’re heading across the state or the country—it’s important to make sure they’re not just ready academically but financially protected as well. From health coverage to protecting their belongings and staying road-ready, here are the key insurance tips every student (and parent) should know.
Health Insurance: Are They Still Covered?
Under Age 26? Most students can remain on their parents' or guardians’ health insurance plan until age 26. This can be a cost-effective option, especially if their college is nearby and within the plan’s network.
Going Out of Network? If the college is out of state or the student will be far from home, check if your plan offers nationwide coverage or if a student health plan through the school may be better suited.
Tip: Keep a copy of the insurance card in their wallet and make sure they know how to use it in case of emergency.
Renters Insurance: Don’t Forget What’s in the Dorm
College students often bring expensive electronics, clothing, and other valuables to campus. Dorms, apartments, and off-campus housing can be vulnerable to theft, fire, or damage.
Homeowners Policy May Not Cover Everything: Some policies may offer limited coverage for a student’s belongings away from home. Others may not extend coverage at all.
Consider Renters Insurance: For a low monthly cost, renters insurance protects their personal property and offers liability coverage in case of accidents in their dorm or apartment.
Tip: Take inventory of belongings before they head off to college—it’s helpful for claims and peace of mind.
Auto Insurance: Know the Rules
Whether your student is taking a car with them or leaving it at home, you’ll want to understand how their status as a student impacts your policy.
Car at College? Let your insurance agent know the vehicle’s new location—it may change your premium depending on the region.
No Car at School? Some insurers offer discounts if the student is more than 100 miles from home and does not drive regularly.
Good Student Discounts: Maintaining a strong GPA can often qualify students for discounts on auto insurance.
Tip: Always update your policy with any address or usage changes to avoid coverage gaps.
At DGK Insurance, we’re here to make the back-to-school season stress-free. As an independent agency, we work with a variety of carriers to find the best coverage for your unique situation—whether it’s health, renters, or auto insurance.
Heading to college is a big step. Let’s make sure your student is protected every step of the way. Contact us today to review your policies before move-in day!