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Which Home Insurance Coverages Protect College Students?

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In our previous blog, “College Students and Their Parents’ Home Insurance,” we shared a lot of intel about what a caregiver’s home insurance can provide for their college student. In this blog, we will provide a breakdown of what types of coverages that college students can expect to receive through their parents’ home insurance policy. Before you swap your current home insurance and reach out to the best homeowners insurance companies in California, consider understanding what coverages you already have and reading this blog for more perspective.


Medical Payments to Others

Medical Payments to Others are one of the best methods to use in order to solve an injury-related problem. This coverage is activated if a small injury occurs in your college student’s apartment or dorm room. In addition, the coverage will cover your college student if they accidentally injure someone near their living space and are assumed responsible for the injury. Usually, medical payments to others cover less than $5,000 of your medical bill relating to that small injury. If your college student is involved in an injury lawsuit against them, then Personal Liability Coverage will help out.


Personal Liability Coverage

Having a college experience, for some students, can include attending or hosting college parties. Hopefully, your college student is responsible when they throw a college party. If an accident were to occur at a college apartment/dorm party, either to your college student or their guest(s), then Personal Liability Coverage will most likely cover for you. In addition, any damages to the school’s property or lawsuits that arise from injury accidents, will be protected from your college student.


Personal Property Coverage

Moving to an apartment or dorm room for college includes a lot of belongings to move and protect. College students have various items like clothes, expensive textbooks, headphones, laptops, mini refrigerators, etc. that can rack up in value, so it seems logical to protect those prized possessions with Personal Property Coverage. This coverage protects your items inside and outside your home, so it only seems fair if your college student receives that protection too. In a situation when a natural disaster damages or destroys your college student’s personal belongings, then your home insurance policy will help them repair or replace those possessions.


With a better understanding as to what coverages your college student can receive through your home insurance policy, we hope that you may find the best homeowners insurance companies in California, if you choose to switch your provider. If you are still struggling to find the best home insurance that fits your needs, then reach out to a Get-a Quote professional today. Get-a-Quote is a great insurance shopping tool that provides you that one-on-one experience through human interaction.


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