Starting college or university is an exciting new chapter, but it’s also a good time to think about insurance. Whether you’re living in residence, renting an apartment, or commuting from home, understanding your home and auto insurance coverage can help you avoid unexpected surprises. 

Here are answers to some of the most common insurance questions students and parents ask before heading back to school. 

Can I save money on my auto insurance if I’m driving less? 

Possibly. If you’ll be driving less while you’re away at school or primarily taking public transit, your annual mileage may change. In some cases, this could affect your auto insurance. Before making any changes, talk to your insurance advisor about your driving habits to ensure your policy is up to date and to see if there are any savings opportunities available. 

Are my belongings covered while I’m away at school? 

In many cases, your personal belongings may still be covered under your parents’ home insurance policy while you’re attending school. Coverage depends on your individual policy and living arrangements, so it’s important to check with your insurance advisor before you move. 

Do I need to tell my insurance company if I’m taking my car to school? 

 Yes. If you’re bringing your vehicle to school, moving to a new address, or your driving habits are changing, let your insurance advisor know. Keeping your policy up to date helps ensure your coverage accurately reflects your situation. 

Are my laptop and other electronics covered? 

Coverage for laptops, tablets, phones, and other electronics varies by policy. If you’re bringing valuable items to school, ask your insurance advisor what your policy covers and whether any coverage limits apply. 

What should I do if my belongings are stolen? 

If your belongings are stolen, report the theft to local authorities if appropriate, document what was taken, and contact your insurance advisor as soon as possible. Keeping receipts, photos, or a home inventory can make the claims process easier.  

What should I do after a car accident? 

If you’re involved in an accident: 

• Make sure everyone is safe. 

• Exchange information with the other driver. 

• Take photos of the scene if it’s safe to do so. 

• Report the accident if required. 

• Contact your insurance advisor to begin the claims process. 

Knowing these steps ahead of time can help reduce stress if an accident occurs. 

Start the School Year Prepared 

A little preparation can go a long way. Understanding your insurance coverage before heading back to school can help you avoid unexpected surprises throughout the school year. 

If you have questions about your home or auto insurance, we’re here to help you review your coverage and make sure you have the protection you need for the year ahead.