08/13/2026
๐ August means move-in season, and most parents focus on what to pack - not what happens if belongings are stolen or damaged. Here is what to know:
- A student in a campus dorm may still be covered under a parent's homeowners policy, but coverage is often limited and may not extend off-campus.
- Students in apartments typically need their own renters insurance. It often costs less than a streaming subscription.
- Laptops, cameras, and instruments may have sub-limits and could need to be scheduled separately.
- If the student has a car on campus, confirm their auto coverage is current.
Contact our family insurance company; Insurance One before the school year starts. ๐ฆ๐