Julia Davis

When it's time for back-to-school preparations, insurance is an important consideration for families. Here are some key types of insurance and coverage aspects to keep in mind:

Auto Insurance

• Teen Drivers: If your teenager is driving to school, make sure they are added to your auto insurance policy. Look for discounts for good grades or driving courses.

• Carpooling: Ensure that you have the coverage you need to help cover passengers in your vehicle in the event of an accident.

Homeowners or Renters Insurance

• Personal Property Coverage: If your child is taking expensive items to school, such as laptops or musical instruments, check whether your homeowners or renters insurance covers these items for theft or damage.

• Off-Campus Living: If your college student is living off-campus, consider renters insurance to protect their belongings.

Liability Insurance

• Umbrella Policies: An umbrella policy can provide extra liability coverage beyond the limits of your standard policies, useful for families with active children.

Tips for Managing Insurance During Back-to-School Season

• Review Your Policies: Take the time to review your current insurance policies and understand what is covered.

• Update Information: Update your insurance provider with any changes, such as new drivers or changes in residence.

• Ask About Discounts: Many insurers offer discounts for good grades, safe driving courses, and bundling multiple policies.

• Consider Additional Coverage: If there are gaps in your current coverage, consider purchasing additional insurance to fill those gaps.

By addressing these key areas, you can ensure that your family is well-protected as the new school year begins.