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College Students and Their Parents’ Home Insurance

If you are a college student who’s planning on moving out or a parent sending off their college kid, then this blog is for you! Moving day can be an emotional experience for both the student and parent(s), but one thing that will lift the weight off your shoulders is not having to purchase renters insurance. If the college student’s parent(s) have home insurance, then the student is covered under their policy. To help you look for the top Florida homeowners insurance companies for your college student, then we’ve prepared a breakdown of what you need to know about home insurance for your student’s needs.


Homeowners Insurance Policy

Homeowners insurance policy usually covers for full-time college students who are under 26 years old. The college student must also be related to and have been a resident of the parent or caregivers’ home. So whether your college kid is moving out or living at home, your home, condo, or renters insurance should already cover for them, so that you don’t have to worry about purchasing renters insurance.


College Dorms and Renters Insurance

Majority of the insurance policy providers follow guidelines similar to what was mentioned in the previous section. For some insurance policies, they have a strict limit that only provides coverage to college students living in the school’s campus dorms. This is known as dorm insurance. If that’s the case, then you don’t need to purchase an additional renters insurance.


Off-Campus Apartments and Renters Insurance

As mentioned previously, some insurance policy providers have a coverage limit when it comes to college students who are dorming on-campus. If your college student is planning on living in an off-campus apartment, then you might want to consider purchasing their own renters insurance. In a situation where your student’s living situation is affiliated with the school and is also off-campus, then your insurance company should already cover you. Just to make sure that you aren’t assuming the wrong details, make sure that you check your insurance documents again to see if your college student is covered or not.


We hope that with this breakdown of homeowners insurance for you and your college student will help you understand your current insurance policy or find the top Florida homeowners insurance companies for your college student. To help you navigate through this insurance hunt, connect with a Get-a-Quote professional today. Get-a-Quote provides a personal touch to your insurance search journey through human interaction. Don’t be shy, give us a try!


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