Packing up your child’s belongings and sending them off to college is bittersweet. While you are usually excited to see them go, you are nervous about sending them off to navigate the world themselves! Part of that should be wondering how your insurance needs changes when a child moves away from home.
We get a lot of questions about if children need renters insurance when heading off to college. While the short answer is technically no, there may be some other factors to consider.
Students, if still a dependent, are covered under the parent’s homeowner’s policy. You should check with your insurance provider to make sure of this, because certain details such as distance may change things.
We recommend you still get renters insurance for your student, for a few reasons.