Pearson & Company Insurance, Inc 601-482-6699
Get a Quote
Interested In
Zip Code
Get A Quote Quick Links Auto Insurance Home Insurance Church Insurance Business Insurance

A Few Tips for the College-Bound

 

College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school to MS State, Ole Miss, Southern, or any university or college, below are a few tips to help you get the most out of your coverage.

HOMEOWNERS (varies by state)

         Personal Property:  Most homeowners policies will cover personal property for up to 10% of your policy’s content coverage while your child is residing at school (a $100,000 on your policy equals $10,000 in coverage away from home). Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended.

         Liability Coverage:  General damage to a dorm room or apartment is not usually covered.  You should also check to see if Personal Injury is included in your liability coverage.

         Documentation:  Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.

AUTO (varies by state)

         Car Stays Home: Your child stays on your insurance policy and there is a discount with most carriers if their school is over 100 miles away.

         Car at School:  Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered.  We just need to update the garaging address.

         Driving a Friend’s Car:  Students are generally covered if they are listed on their parent’s policy and are not regularly using the vehicle. The coverage would be secondary.  The insurance for the friend’s vehicle would be the primary coverage.

         Discounts:  A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver’s education may also get a discount.

Before your child leaves for school, call Pearson & Company Insurance at  601-482-6699  or e-mail hallie@pearson-insurance.com. We can walk you through the steps to ensure you have the right coverage. We’re here to help!

Read more on renter's insurance, sharing renter's insurance,

 

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Get A Quote
Manage My Policy
Submit A Claim Pay Your BIll Customer Service
  Our Site Links

Home Page
Blog
Who We Are
Our Carriers
Map & Direction
FAQ
Contact Us
Type of Insurance

Auto Insurance
Home Insurance
Church Insurance
Business Insurance
Motorcycle Insurance
Boat Insurance
Recreational Vehicle Insurance
Contact Info

Pearson & Company Insurance, Inc.
2210 13th Street
Meridian, MS 39301

Phone: 601-482-6699
Fax: 601-482-1526
Email: Hallie@Pearson-Insurance.com
FacebookTwitterLinkedInGoogle+RSS FeedYouTube

            Get Quotes from the Best Companies
 
GuideOne
Travelers
Progressive
Zurich
GMAC
Hartford
Foremost
American Modern
Victoria
Fidelity
Chubb
Dairyland
Safeco
Condon Skelly
Aegis