A Few Tips for the College-Bound<\/p>\n
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, below are a few tips to help you get the most out of your coverage.<\/p>\n
HOMEOWNERS (varies by state)
\n\u2022 Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,000 policy equals $10,000 in coverage). 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.
\n\u2022 Liability Coverage: General damage to a dorm room or apartment is not usually covered.
\n\u2022 Documentation: Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts.<\/p>\n
AUTO (varies by state)
\n\u2022 Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.
\n\u2022 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.
\n\u2022 Driving a Friend\u2019s Car: Students are generally covered if they are listed on their parent\u2019s policy and are not regularly using the vehicle. The coverage would be secondary. The insurance for the friend\u2019s vehicle would be the primary coverage.
\n\u2022 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\u2019s education may also get a discount.
\nBefore your child leaves for school, call our Canby, Oregon office 503-266-2715 or e-mail info@oliverinsurance.net. We can walk you through the steps to ensure you have the right coverage. We\u2019re here to help! #oliverinsuranceagency #canby #independentagency #canbyoregon<\/p>\n","protected":false},"excerpt":{"rendered":"
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, below are a few tips to help you get the most out of your coverage. HOMEOWNERS (varies by state) \u2022 Personal […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-209","post","type-post","status-publish","format-standard","hentry","category-home-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/comments?post=209"}],"version-history":[{"count":2,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/209\/revisions"}],"predecessor-version":[{"id":212,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/209\/revisions\/212"}],"wp:attachment":[{"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/media?parent=209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/categories?post=209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.oliverinsurance.net\/blog\/wp-json\/wp\/v2\/tags?post=209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}