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When Your Teen Goes Off to College: Our Insurance Guide for Parents

by | Feb 10, 2022

Sending your teen off to college is a significant milestone filled with excitement, anticipation, and a bit of apprehension. (I know because I’m in the middle of it as I write this.) Amidst the whirlwind of emotions, addressing insurance concerns during this transition is essential. To help you navigate insurance for your college-bound teen, we’ve created this detailed guide that answers common questions, and uncertainties parents may have. Remember that it’s always a good idea to consult with your insurance agent to ensure your specific situation and needs are addressed.

Auto Insurance for College-Bound 

Teens Understanding how your teen’s auto insurance coverage may change once they go to college is crucial. Factors like location and vehicle usage can affect the policy. Typical auto insurance policies will cover your teen if they are listed as a driver on your policy. Still, informing your insurance agent about your teen’s college plans is essential, so they can help you adjust the policy accordingly.

Renters’ Insurance for College Dorms or Off-Campus Housing 

Your homeowner’s insurance policy may offer limited coverage for your teen’s belongings in a college dorm, usually up to a certain percentage of your policy’s personal property limit. A standalone renters insurance policy is advisable for off-campus housing, as it covers personal property, liability, and additional living expenses.

Health Insurance for College Students 

A common question parents have is about health insurance options for their college-bound teen. Under the Affordable Care Act, children can remain on their parent’s health insurance plan until they turn 26, regardless of their marital, financial, or educational status. However, you may also explore coverage options through the college or individual policies, which might offer additional benefits or cater more specifically to your teen’s needs.

Identity Theft Protection 

Considering the increased risk of identity theft for college students, adding identity theft coverage to your insurance policies can offer peace of mind. This additional coverage typically includes monitoring services, financial assistance, and access to professional help for identity theft victims.

Insurance Discounts for College Students

Potential discounts for college students include good student discounts, which reward students who maintain a certain GPA, and away-from-home discounts, available when your teen attends college more than a specific distance from home and doesn’t have a car on campus.

Preparing for Emergencies: 

Travel Insurance and Roadside Assistance Travel insurance and roadside assistance are valuable for college students, especially those studying abroad or traveling long distances. Travel insurance can cover medical expenses, trip cancellations, and lost luggage, while roadside assistance provides services like towing, battery jump-starts, and flat tire changes.

Communication and Education: 

Keeping Your College Student Informed Involve your college-bound teen in the insurance decision-making process to help them understand its importance. Open communication about coverage needs can set them up for a successful and responsible future.

We’re Here to Help! 

Addressing insurance concerns when your teen goes off to college is crucial for their protection and your peace of mind. This comprehensive guide will help ensure your teen is well-prepared for this exciting new chapter. Remember that each insurance policy is unique, so consult with your trusted insurance agent to discuss your situation and ensure your teen is adequately covered during this transitional period.


Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.