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Make sure kids are covered as they leave for college

Female college student

08/14/2013

LINCOLN, RI - It’s almost time for students to leave home for college, so Amica Insurance is reminding parents to check their auto and homeowners insurance policies to confirm that children are covered while they’re away at school.

“Expensive electronics – like laptops and tablets – are staples of the college experience,” said Gregory Smolan, an assistant vice president in sales and client services for Amica Insurance. “But it’s important to remember that if these items are lost or stolen, they should be covered under your homeowners insurance policy.”

Most homeowners insurance policies should provide coverage for possessions taken to school by full-time students. Protection of property away from home is typically limited to 10 percent of the personal property limits on the family’s homeowners insurance policy. Additional insurance is also available for specific items like jewelry and computers.

Those students taking a vehicle to college will most likely be covered under the parents’ auto insurance policy, as long as the vehicle is registered to the parent as the owner. If your student is not taking a vehicle, you may be eligible for a reduction in auto insurance premiums. Check with your insurance company to find out.

Amica Insurance is also offering the following tips to prepare your child for college:

  • Make a list of everything your child is bringing to school.
  • Be sure to keep all receipts.
  • Write down serial and model numbers on electronics, bicycles, jewelry, etc.
  • Engrave valuable items like computers and stereo equipment with your child’s driver’s license number and state.

Additionally, Amica’s mobile app can help keep track of a student’s belongings through the home inventory feature.

“Heading off to college can be a stressful time for both students and parents,” Smolan said. “So be sure to call your insurance company with any coverage questions you may have.”

About Amica

Amica Mutual Insurance Company, the nation's oldest mutual insurer of automobiles, was founded in 1907. The company, with corporate headquarters in Lincoln, RI, is a national writer of automobile, homeowners, marine and personal umbrella liability insurance. Life coverage is available through Amica Life Insurance Company, a wholly owned subsidiary. Amica employs more than 3,100 people in 40 offices across the country.

CONTACT: Vince Burks, Corporate Communications, 50 Amica Way,
Lincoln, RI 02865-1155, 800-652-6422, ext. 24563

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