To all my insured family are you already thinking about back to school? I know this time of year parents are thinking about that empty nest coming your way with college students ready to take off there is so much on your plate already.
Worrying about if their property is covered while away at school is just one more thing to think about. Really it is one thing to think about in this modern age. Most college students are taking off with way more than before we are talking laptops, and Ipads, cell phones, just the technology they carry alone can get expensive.
Question is are you covered?
Well yes, and no....
Your child while away at college certainly does have coverage for his or her personal property while away from home. That said, there is a slippery slope when it comes to certain items like jewelry, computers, etc... when stolen. Some personal property items are limited for "theft" on the homeowners policy. Items such as, jewelry, cash, computers and media are all typical items taken in a theft and some of those items are limited as a result. Theft is one of the biggest worry spots for your college students personal property while away at school make sure you are properly covered so your student is not suddenly left without.
A good quick thought on those technology items. List them!!!!Inventory what your child is taking to school. Shoot a photo of the make, model, and serial number of the big ticket items they are taking with them and keep them on file. This makes fast replacement if stolen or if they suffer another loss. The insurance company will ask you to inventory these items with make, model, year purchased, and replacement cost today.
Once you have your quick list contact your agent review your students items with your agent see if there are any additions that need to be on the policy. And....if you have a returning student or grad student who is on off campus housing they may even have a need for their own renter's policy.
I know it's already another one of those life changing or challenging moments when a child takes off for school, but this is one quick little thing to keep them protected which is what you do best. It's what I do best too, take care of your family and their protection needs so call me. One quick call or email away and we'll know they are ready to go with the protection they need to go right along the way with them.
Call or email me today!
Heather@brooksoninsurance.com
317-534-5202
Heather B. Swank
Owner / Agent
Brookson Insurance LLC
