Back-to-school season isn’t just for the kids. Whether you're sending someone off to college or simply enjoying the return of routine, now’s a great time to brush up on your insurance knowledge. Think of this as your fall refresher — no homework, no tests, just a few lessons to help make sure your coverage is still making the grade.
Here are five things to consider:
If your child is moving into a dorm, your homeowners policy may extend to cover their belongings. But if they’re renting an off-campus apartment, renters insurance is likely needed to protect their stuff from theft, fire, or water damage.
Also: if they’re taking a car to school, make sure it’s properly listed on your auto policy and reflects their new location. And if they’re leaving the car behind? You might qualify for a lower rate.
An umbrella policy adds an extra layer of liability protection. It’s one of the smartest moves you can make — especially if you have a teen driver, a pool, or significant assets to protect.
Think of it as a smart buffer — one that’s surprisingly affordable — against life’s unexpected (and expensive) moments.
Smart homes come with smart risks. Devices like video doorbells, e-bikes, high-end laptops, and home security systems may not be fully covered under your standard homeowners policy.
Now’s a good time to review what’s considered personal property — and whether you need additional protection for high-value or tech-heavy items.
If your teen is driving to school — or heading to college — it’s worth checking your auto insurance. You may be eligible for a good student discount, or a reduced rate if your child is away at school without a vehicle.
A quick update to your policy could save you money and give you peace of mind during those early morning commutes.
Back-to-school season is a natural time to think about the future — and that makes it a great time to revisit (or finally check off) life insurance. If you’re a parent, having life insurance in place helps protect your family's financial security, covering things like mortgage payments, college tuition, or everyday living expenses if something unexpected happens. For young adults just starting out, getting a policy early can lock in lower rates and start building smart financial habits. It’s a simple step that goes a long way in giving you — and your loved ones — peace of mind.
Back-to-school season is all about preparation — backpacks, supplies, schedules. Your insurance deserves the same attention. Not sure if your current coverage fits your needs? We’re here to help.
📞 Contact Us for a quick policy review — no homework required.